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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 1.3 -1.1 - View Chart
P/BV x 0.4 0.2 191.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 DHANLAXMI BANK   UNION BANK
EQUITY SHARE DATA
    DHANLAXMI BANK
Mar-14
UNION BANK
Mar-17
DHANLAXMI BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs51173 29.3%   
Low Rs24105 23.2%   
Income per share (Unadj.) Rs102.6477.4 21.5%  
Earnings per share (Unadj.) Rs-20.08.3 -240.1%  
Cash flow per share (Unadj.) Rs-12.94.3 -299.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs58.5342.9 17.1%  
Shares outstanding (eoy) m125.93687.44 18.3%   
Bonus/Rights/Conversions OI--  
Avg Price / Income ratio x0.40.3 125.6%   
Avg P/E ratio x-1.916.6 -11.2%  
Avg P/CF ratio x78.81.2 6,334.5%  
Avg Price/Bookvalue ratio x0.60.4 158.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m4,71095,279 4.9%   
No. of employees `0002.436.9 6.6%   
Total wages & salary Rs m1,89235,094 5.4%   
Avg. income/employee Rs Th5,316.78,899.0 59.7%   
Avg. wages/employee Rs Th778.7951.7 81.8%   
Avg. net profit/employee Rs Th-1,036.7155.3 -667.6%   
INCOME DATA
Interest income Rs m12,920328,170 3.9%  
Other income Rs m73454,300 1.4%   
Interest expense Rs m10,118237,763 4.3%   
Net interest income Rs m2,80190,407 3.1%  
Operating expense Rs m3,47570,213 4.9%   
Gross profit Rs m-67420,194 -3.3%  
Gross profit margin %-5.26.2 -84.7%  
Provisions/contingencies Rs m2,57970,906 3.6%   
Profit before tax Rs m-2,5183,647 -69.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1-2,080 -0.0%   
Profit after tax Rs m-2,5195,727 -44.0%  
Net profit margin %-19.51.7 -1,117.4%  
BALANCE SHEET DATA
Advances Rs m79,3602,879,498 2.8%   
Deposits Rs m121,3323,796,873 3.2%  
Credit/Deposit ratio x65.475.8 86.2%  
Yield on advances %11.88.0 147.8%   
Cost of deposits %7.65.8 130.7%   
Net Interest Margin %2.02.1 95.5%  
Net fixed assets Rs m2,12439,054 5.4%   
Share capital Rs m1,2596,874 18.3%   
Free reserves Rs m4,086207,141 2.0%   
Net worth Rs m7,363235,711 3.1%   
Borrowings Rs m13,356412,255 3.2%   
Investments Rs m44,8231,134,413 4.0%   
Total assets Rs m146,8764,556,687 3.2%  
Debt/equity ratio x18.317.9 102.4%   
Return on assets %-1.70.1 -1,364.8%  
Return on equity %-34.22.4 -1,408.2%  
Capital adequacy ratio %8.712.9 67.2%  
Net NPAs %3.86.6 57.8%  
CASH FLOW
From Operations Rs m6,487-356 -1,820.7%  
From Investments Rs m-243-2,802 8.7%  
From Financial Activity Rs m1,13836,049 3.2%  
Net Cashflow Rs m7,38232,891 22.4%  

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:   YES BANK  KARUR VYSYA BANK  ANDHRA BANK  SBI  DCB BANK  

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



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