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Compare Federal Bank with Union Bank - Equitymaster
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FEDERAL BANK vs UNION BANK - Comparison Results

FEDERAL BANK    Change

Federal Bank Ltd (FBL) (the erstwhile Travancore Federal Bank Limited) was incorporated with an authorised capital of Rs 5,000 in Central Travancore in the year 1931 under the Travancore Company's Act. The bank started business of auctionchitty and o... More

UNION BANK 
   Change

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

    FEDERAL BANK UNION BANK FEDERAL BANK/
UNION BANK
 
P/E (TTM) x 10.4 15.3 68.4% View Chart
P/BV x 1.1 0.4 314.6% View Chart
Dividend Yield % 0.7 1.5 43.9%  

Financials

 FEDERAL BANK   UNION BANK
EQUITY SHARE DATA
    FEDERAL BANK
Mar-16
UNION BANK
Mar-16
FEDERAL BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs80223 35.8%   
Low Rs41104 39.8%   
Income per share (Unadj.) Rs45.5470.1 9.7%  
Earnings per share (Unadj.) Rs2.819.7 14.3%  
Cash flow per share (Unadj.) Rs11.267.4 16.6%  
Dividends per share (Unadj.) Rs0.701.95 35.9%  
Avg Dividend yield %1.21.2 96.8%  
Book value per share (Unadj.) Rs46.9335.3 14.0%  
Shares outstanding (eoy) m1,718.95687.44 250.1%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x1.30.3 383.0%   
Avg P/E ratio x21.48.3 258.6%  
Avg P/CF ratio x8.72.1 404.3%  
Avg Price/Bookvalue ratio x1.30.5 265.0%  
Dividend payout %24.79.9 250.4%   
Avg Mkt Cap Rs m104,082112,259 92.7%   
No. of employees `00011.735.5 33.1%   
Total wages & salary Rs m10,74237,681 28.5%   
Avg. income/employee Rs Th6,666.29,109.9 73.2%   
Avg. wages/employee Rs Th915.41,062.2 86.2%   
Avg. net profit/employee Rs Th414.5382.5 108.4%   
INCOME DATA
Interest income Rs m78,228323,157 24.2%  
Other income Rs m7,866393,443 2.0%   
Interest expense Rs m52,594238,940 22.0%   
Net interest income Rs m25,63584,216 30.4%  
Operating expense Rs m19,06367,159 28.4%   
Gross profit Rs m6,57117,057 38.5%  
Gross profit margin %8.45.3 159.1%  
Provisions/contingencies Rs m7,11838,682 18.4%   
Profit before tax Rs m7,31917,769 41.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m-150-   
Tax Rs m2,4404,291 56.9%   
Profit after tax Rs m4,86413,569 35.8%  
Net profit margin %6.24.2 148.1%  
BALANCE SHEET DATA
Advances Rs m584,1982,682,496 21.8%   
Deposits Rs m791,7093,441,175 23.0%  
Credit/Deposit ratio x73.878.0 94.7%  
Yield on advances %9.88.8 111.4%   
Cost of deposits %6.46.4 99.6%   
Net Interest Margin %3.02.2 137.8%  
Net fixed assets Rs m5,23639,519 13.3%   
Share capital Rs m3,4386,874 50.0%   
Free reserves Rs m35,310200,761 17.6%   
Net worth Rs m80,641230,481 35.0%   
Borrowings Rs m22,983306,366 7.5%   
Investments Rs m219,825905,732 24.3%   
Total assets Rs m915,5444,073,646 22.5%  
Debt/equity ratio x10.116.3 62.1%   
Return on assets %0.50.3 159.5%  
Return on equity %6.05.9 102.5%  
Capital adequacy ratio %13.911.1 125.0%  
Net NPAs %1.65.3 31.2%  
CASH FLOW
From Operations Rs m-15,56982,741 -18.8%  
From Investments Rs m24,948-8,718 -286.2%  
From Financial Activity Rs m-2,992-3,886 77.0%  
Net Cashflow Rs m6,38770,138 9.1%  

Share Holding

Indian Promoters % 0.0 60.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 25.5 16.6 153.6%  
FIIs % 38.8 8.5 456.5%  
ADR/GDR % 2.2 0.0 -  
Free float % 33.0 14.8 223.0%  
Shareholders   82,469 235,817 35.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare FEDERAL BANK With:   SBI  YES BANK  BANK OF MAHARASHTRA  DENA BANK  ORIENTAL BANK  

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



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