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Compare IDBI Bank with Union Bank - Equitymaster
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IDBI BANK vs UNION BANK - Comparison Results

IDBI BANK    Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... 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

    IDBI BANK UNION BANK IDBI BANK/
UNION BANK
 
P/E (TTM) x -1.5 -9.0 - View Chart
P/BV x 0.4 0.5 83.4% View Chart
Dividend Yield % 1.3 1.1 110.0%  

Financials

 IDBI BANK   UNION BANK
EQUITY SHARE DATA
    IDBI BANK
Mar-15
UNION BANK
Mar-16
IDBI BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs113223 50.7%   
Low Rs60104 57.7%   
Income per share (Unadj.) Rs175.6470.1 37.4%  
Earnings per share (Unadj.) Rs5.919.7 29.7%  
Cash flow per share (Unadj.) Rs6.067.4 9.0%  
Dividends per share (Unadj.) Rs0.751.95 38.5%  
Avg Dividend yield %0.91.2 72.7%  
Book value per share (Unadj.) Rs152.0335.3 45.3%  
Shares outstanding (eoy) m1,603.96687.44 233.3%   
Bonus/Rights/Conversions ESOPPI-  
Avg Price / Income ratio x0.50.3 141.7%   
Avg P/E ratio x14.78.3 178.0%  
Avg P/CF ratio x2.62.1 118.8%  
Avg Price/Bookvalue ratio x0.60.5 116.8%  
Dividend payout %12.89.9 129.3%   
Avg Mkt Cap Rs m138,662112,259 123.5%   
No. of employees `00016.635.5 46.7%   
Total wages & salary Rs m20,11237,681 53.4%   
Avg. income/employee Rs Th17,012.59,109.9 186.7%   
Avg. wages/employee Rs Th1,214.91,062.2 114.4%   
Avg. net profit/employee Rs Th568.9382.5 148.7%   
INCOME DATA
Interest income Rs m281,643323,157 87.2%  
Other income Rs m41,892393,443 10.6%   
Interest expense Rs m223,872238,940 93.7%   
Net interest income Rs m57,77184,216 68.6%  
Operating expense Rs m41,04667,159 61.1%   
Gross profit Rs m16,72517,057 98.1%  
Gross profit margin %5.95.3 112.5%  
Provisions/contingencies Rs m44,90538,682 116.1%   
Profit before tax Rs m13,40317,769 75.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m15590 171.2%   
Prior Period Items Rs m00-   
Tax Rs m4,1394,291 96.5%   
Profit after tax Rs m9,41813,569 69.4%  
Net profit margin %3.34.2 79.6%  
BALANCE SHEET DATA
Advances Rs m2,083,7692,682,496 77.7%   
Deposits Rs m2,595,2303,441,175 75.4%  
Credit/Deposit ratio x80.378.0 103.0%  
Yield on advances %10.08.8 113.2%   
Cost of deposits %6.86.4 106.0%   
Net Interest Margin %1.72.2 77.6%  
Net fixed assets Rs m30,80039,519 77.9%   
Share capital Rs m16,0406,874 233.3%   
Free reserves Rs m156,910200,761 78.2%   
Net worth Rs m243,749230,481 105.8%   
Borrowings Rs m618,330306,366 201.8%   
Investments Rs m1,206,093905,732 133.2%   
Total assets Rs m3,559,3094,073,646 87.4%  
Debt/equity ratio x13.216.3 81.1%   
Return on assets %0.30.3 79.4%  
Return on equity %3.95.9 65.6%  
Capital adequacy ratio %11.811.1 105.6%  
Net NPAs %2.95.3 54.9%  
CASH FLOW
From Operations Rs m-19,90682,741 -24.1%  
From Investments Rs m-2,716-8,718 31.2%  
From Financial Activity Rs m-610-3,886 15.7%  
Net Cashflow Rs m-23,23270,138 -33.1%  

Share Holding

Indian Promoters % 71.7 60.1 119.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 13.7 16.6 82.5%  
FIIs % 3.4 8.5 40.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 11.2 14.8 75.7%  
Shareholders   438,231 235,817 185.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare IDBI BANK With:   BANK OF INDIA  ING VYSYA BANK  YES BANK  J&K BANK  DENA BANK  

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



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Oct 26, 2017

Despite provisioning increasing by 97%, the bank reports a strong net profit growth of 20%.

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