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Compare Dhanlaxmi Bank with Union Bank - Equitymaster
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DHANLAXMI BANK vs UNION BANK - Comparison Results

UNION BANK 
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Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    DHANLAXMI BANK UNION BANK DHANLAXMI BANK/
UNION BANK
 
P/E (TTM) x 2.3 15.5 15.1% View Chart
P/BV x 0.8 0.4 226.9% View Chart
Dividend Yield % 0.0 1.5 -  

Financials

 DHANLAXMI BANK   UNION BANK
EQUITY SHARE DATA
    DHANLAXMI BANK
Mar-14
UNION BANK
Mar-16
DHANLAXMI BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs51223 22.7%   
Low Rs24104 23.2%   
Income per share (Unadj.) Rs102.6470.1 21.8%  
Earnings per share (Unadj.) Rs-20.019.7 -101.3%  
Cash flow per share (Unadj.) Rs-12.967.4 -19.1%  
Dividends per share (Unadj.) Rs01.95 0.0%  
Avg Dividend yield %01.2 0.0%  
Book value per share (Unadj.) Rs58.5335.3 17.4%  
Shares outstanding (eoy) m125.93687.44 18.3%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x0.40.3 104.9%   
Avg P/E ratio x-1.98.3 -22.6%  
Avg P/CF ratio x78.82.1 3,665.8%  
Avg Price/Bookvalue ratio x0.60.5 131.3%  
Dividend payout %09.9 0.0%   
Avg Mkt Cap Rs m4,710112,259 4.2%   
No. of employees `0002.435.5 6.9%   
Total wages & salary Rs m1,89237,681 5.0%   
Avg. income/employee Rs Th5,316.79,109.9 58.4%   
Avg. wages/employee Rs Th778.71,062.2 73.3%   
Avg. net profit/employee Rs Th-1,036.7382.5 -271.0%   
INCOME DATA
Interest income Rs m12,920323,157 4.0%  
Other income Rs m734393,443 0.2%   
Interest expense Rs m10,118238,940 4.2%   
Net interest income Rs m2,80184,216 3.3%  
Operating expense Rs m3,47567,159 5.2%   
Gross profit Rs m-67417,057 -3.9%  
Gross profit margin %-5.25.3 -98.8%  
Provisions/contingencies Rs m2,57938,682 6.7%   
Profit before tax Rs m-2,51817,769 -14.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m14,291 0.0%   
Profit after tax Rs m-2,51913,569 -18.6%  
Net profit margin %-19.54.2 -464.4%  
BALANCE SHEET DATA
Advances Rs m79,3602,682,496 3.0%   
Deposits Rs m121,3323,441,175 3.5%  
Credit/Deposit ratio x65.478.0 83.9%  
Yield on advances %11.88.8 133.7%   
Cost of deposits %7.66.4 118.0%   
Net Interest Margin %2.02.2 91.7%  
Net fixed assets Rs m2,12439,519 5.4%   
Share capital Rs m1,2596,874 18.3%   
Free reserves Rs m4,086200,761 2.0%   
Net worth Rs m7,363230,481 3.2%   
Borrowings Rs m13,356306,366 4.4%   
Investments Rs m44,823905,732 4.9%   
Total assets Rs m146,8764,073,646 3.6%  
Debt/equity ratio x18.316.3 112.5%   
Return on assets %-1.70.3 -514.9%  
Return on equity %-34.25.9 -581.1%  
Capital adequacy ratio %8.711.1 77.8%  
Net NPAs %3.85.3 72.4%  
CASH FLOW
From Operations Rs m6,48782,741 7.8%  
From Investments Rs m-243-8,718 2.8%  
From Financial Activity Rs m1,138-3,886 -29.3%  
Net Cashflow Rs m7,38270,138 10.5%  

Share Holding

Indian Promoters % 0.0 60.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.5 16.6 3.0%  
FIIs % 22.7 8.5 267.1%  
ADR/GDR % 0.0 0.0 -  
Free float % 76.8 14.8 518.9%  
Shareholders   81,558 235,817 34.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare DHANLAXMI BANK With:   SYNDICATE BANK  CITY UNION BANK  DENA BANK  PNB  J&K BANK  

Compare DHANLAXMI BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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