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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 25.0 -7.4 - View Chart
P/BV x 2.1 0.4 555.8% View Chart
Dividend Yield % 0.7 1.4 51.2%  

Financials

 ICICI BANK   UNION BANK
EQUITY SHARE DATA
    ICICI BANK
Mar-17
UNION BANK
Mar-16
ICICI BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs293223 131.5%   
Low Rs215104 206.3%   
Income per share (Unadj.) Rs104.8470.1 22.3%  
Earnings per share (Unadj.) Rs17.519.7 88.8%  
Cash flow per share (Unadj.) Rs76.167.4 112.9%  
Dividends per share (Unadj.) Rs2.501.95 128.2%  
Avg Dividend yield %1.01.2 82.5%  
Book value per share (Unadj.) Rs179.9335.3 53.7%  
Shares outstanding (eoy) m5,814.77687.44 845.9%   
Bonus/Rights/Conversions ESOSPI-  
Avg Price / Income ratio x2.40.3 696.9%   
Avg P/E ratio x14.58.3 175.0%  
Avg P/CF ratio x5.52.1 256.5%  
Avg Price/Bookvalue ratio x1.40.5 289.5%  
Dividend payout %14.39.9 144.4%   
Avg Mkt Cap Rs m1,475,207112,259 1,314.1%   
No. of employees `00081.135.5 228.7%   
Total wages & salary Rs m78,93337,681 209.5%   
Avg. income/employee Rs Th7,511.59,109.9 82.5%   
Avg. wages/employee Rs Th972.91,062.2 91.6%   
Avg. net profit/employee Rs Th1,255.8382.5 328.3%   
INCOME DATA
Interest income Rs m609,400323,157 188.6%  
Other income Rs m524,577393,443 133.3%   
Interest expense Rs m348,358238,940 145.8%   
Net interest income Rs m261,04284,216 310.0%  
Operating expense Rs m481,70067,159 717.3%   
Gross profit Rs m-220,65817,057 -1,293.6%  
Gross profit margin %-36.25.3 -686.0%  
Provisions/contingencies Rs m165,82538,682 428.7%   
Profit before tax Rs m138,09417,769 777.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m-11,52090 -12,756.9%   
Prior Period Items Rs m00-   
Tax Rs m24,6904,291 575.4%   
Profit after tax Rs m101,88413,569 750.9%  
Net profit margin %16.74.2 398.2%  
BALANCE SHEET DATA
Advances Rs m5,153,1732,682,496 192.1%   
Deposits Rs m5,125,8733,441,175 149.0%  
Credit/Deposit ratio x100.578.0 129.0%  
Yield on advances %8.28.8 92.5%   
Cost of deposits %4.56.4 70.7%   
Net Interest Margin %2.92.2 133.7%  
Net fixed assets Rs m93,38039,519 236.3%   
Share capital Rs m11,6516,874 169.5%   
Free reserves Rs m581,559200,761 289.7%   
Net worth Rs m1,046,320230,481 454.0%   
Borrowings Rs m1,882,868306,366 614.6%   
Investments Rs m3,045,017905,732 336.2%   
Total assets Rs m9,860,4274,073,646 242.1%  
Debt/equity ratio x6.716.3 41.2%   
Return on assets %1.00.3 310.2%  
Return on equity %9.75.9 165.4%  
Capital adequacy ratio %17.411.1 156.1%  
Net NPAs %5.45.3 103.4%  
CASH FLOW
From Operations Rs m526,35582,741 636.1%  
From Investments Rs m-16,057-8,718 184.2%  
From Financial Activity Rs m-354,695-3,886 9,128.7%  
Net Cashflow Rs m155,60370,138 221.9%  

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:   SBI  KOTAK MAH. BANK  PUNJAB & SIND BANK  DHANLAXMI BANK  ING VYSYA BANK  

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



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