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Compare ICICI Bank with Union Bank - Equitymaster

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ICICI BANK vs UNION BANK - Comparison Results

ICICI BANK    Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... 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

    ICICI BANK UNION BANK ICICI BANK/
UNION BANK
 
P/E (TTM) x 46.0 -1.0 - View Chart
P/BV x 2.0 0.2 942.1% View Chart
Dividend Yield % 0.8 0.0 -  

Financials

 ICICI BANK   UNION BANK
EQUITY SHARE DATA
    ICICI BANK
Mar-17
UNION BANK
Mar-18
ICICI BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs293205 142.7%   
Low Rs21586 249.8%   
Income per share (Unadj.) Rs104.8282.0 37.2%  
Earnings per share (Unadj.) Rs17.5-44.6 -39.3%  
Cash flow per share (Unadj.) Rs76.1-115.2 -66.1%  
Dividends per share (Unadj.) Rs2.500-  
Avg Dividend yield %1.00-  
Book value per share (Unadj.) Rs179.9216.1 83.3%  
Shares outstanding (eoy) m5,814.771,168.57 497.6%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x2.40.5 469.1%   
Avg P/E ratio x14.5-3.3 -443.9%  
Avg P/CF ratio x5.51.9 291.5%  
Avg Price/Bookvalue ratio x1.40.7 209.4%  
Dividend payout %14.30-   
Avg Mkt Cap Rs m1,475,207170,027 867.6%   
No. of employees `00081.137.6 215.8%   
Total wages & salary Rs m78,93333,322 236.9%   
Avg. income/employee Rs Th7,511.58,766.7 85.7%   
Avg. wages/employee Rs Th972.9886.5 109.7%   
Avg. net profit/employee Rs Th1,255.8-1,386.8 -90.6%   
INCOME DATA
Interest income Rs m609,400329,516 184.9%  
Other income Rs m524,57754,621 960.4%   
Interest expense Rs m348,358234,709 148.4%   
Net interest income Rs m261,04294,807 275.3%  
Operating expense Rs m481,70073,508 655.3%   
Gross profit Rs m-220,65821,298 -1,036.0%  
Gross profit margin %-36.26.5 -560.2%  
Provisions/contingencies Rs m165,825142,063 116.7%   
Profit before tax Rs m138,094-66,062 -209.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-11,5200-   
Prior Period Items Rs m00-   
Tax Rs m24,690-13,938 -177.1%   
Profit after tax Rs m101,884-52,125 -195.5%  
Net profit margin %16.7-15.8 -105.7%  
BALANCE SHEET DATA
Advances Rs m5,153,1732,905,715 177.3%   
Deposits Rs m5,125,8734,102,884 124.9%  
Credit/Deposit ratio x100.570.8 142.0%  
Yield on advances %8.27.9 103.8%   
Cost of deposits %4.55.3 86.3%   
Net Interest Margin %2.92.0 142.4%  
Net fixed assets Rs m93,38038,461 242.8%   
Share capital Rs m11,65111,686 99.7%   
Free reserves Rs m581,559228,925 254.0%   
Net worth Rs m1,046,320252,518 414.4%   
Borrowings Rs m1,882,868456,804 412.2%   
Investments Rs m3,045,0171,255,107 242.6%   
Total assets Rs m9,860,4274,911,464 200.8%  
Debt/equity ratio x6.718.1 37.1%   
Return on assets %1.0-1.1 -97.4%  
Return on equity %9.7-20.6 -47.2%  
Capital adequacy ratio %17.411.5 151.2%  
Net NPAs %5.48.4 64.5%  
CASH FLOW
From Operations Rs m526,35560,893 864.4%  
From Investments Rs m-16,057-3,068 523.5%  
From Financial Activity Rs m-354,695107,919 -328.7%  
Net Cashflow Rs m155,603165,744 93.9%  

Share Holding

Indian Promoters % 0.0 60.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 23.1 16.6 139.2%  
FIIs % 40.0 8.5 470.6%  
ADR/GDR % 29.2 0.0 -  
Free float % 7.8 14.8 52.7%  
Shareholders   585,463 235,817 248.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ICICI BANK With:   INDIAN OVERSEAS BANK  AXIS BANK  DENA BANK  IDFC BANK LTD  CANARA BANK  

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



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