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Compare Indian Bank with Union Bank - Equitymaster
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INDIAN 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

    INDIAN BANK UNION BANK INDIAN BANK/
UNION BANK
 
P/E (TTM) x 9.7 15.7 62.0% View Chart
P/BV x 1.0 0.4 257.4% View Chart
Dividend Yield % 1.4 1.5 96.9%  

Financials

 INDIAN BANK   UNION BANK
EQUITY SHARE DATA
    INDIAN BANK
Mar-15
UNION BANK
Mar-16
INDIAN BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs224223 100.7%   
Low Rs113104 108.5%   
Income per share (Unadj.) Rs330.1470.1 70.2%  
Earnings per share (Unadj.) Rs21.819.7 110.6%  
Cash flow per share (Unadj.) Rs58.467.4 86.6%  
Dividends per share (Unadj.) Rs4.201.95 215.4%  
Avg Dividend yield %2.51.2 208.7%  
Book value per share (Unadj.) Rs312.9335.3 93.3%  
Shares outstanding (eoy) m480.29687.44 69.9%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.50.3 147.0%   
Avg P/E ratio x7.78.3 93.3%  
Avg P/CF ratio x3.12.1 145.9%  
Avg Price/Bookvalue ratio x0.50.5 110.6%  
Dividend payout %19.29.9 194.7%   
Avg Mkt Cap Rs m80,929112,259 72.1%   
No. of employees `00020.335.5 57.2%   
Total wages & salary Rs m17,46337,681 46.3%   
Avg. income/employee Rs Th7,811.89,109.9 85.8%   
Avg. wages/employee Rs Th860.51,062.2 81.0%   
Avg. net profit/employee Rs Th516.8382.5 135.1%   
INCOME DATA
Interest income Rs m158,534323,157 49.1%  
Other income Rs m13,722393,443 3.5%   
Interest expense Rs m113,898238,940 47.7%   
Net interest income Rs m44,63684,216 53.0%  
Operating expense Rs m28,25467,159 42.1%   
Gross profit Rs m16,38217,057 96.0%  
Gross profit margin %10.35.3 195.8%  
Provisions/contingencies Rs m15,33538,682 39.6%   
Profit before tax Rs m15,10517,769 85.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m1890 19.4%   
Prior Period Items Rs m00-   
Tax Rs m4,6354,291 108.0%   
Profit after tax Rs m10,48813,569 77.3%  
Net profit margin %6.64.2 157.6%  
BALANCE SHEET DATA
Advances Rs m1,258,7022,682,496 46.9%   
Deposits Rs m1,692,0423,441,175 49.2%  
Credit/Deposit ratio x74.478.0 95.4%  
Yield on advances %9.68.8 108.7%   
Cost of deposits %6.66.4 103.3%   
Net Interest Margin %2.42.2 111.3%  
Net fixed assets Rs m29,73839,519 75.3%   
Share capital Rs m4,8036,874 69.9%   
Free reserves Rs m79,581200,761 39.6%   
Net worth Rs m150,290230,481 65.2%   
Borrowings Rs m26,461306,366 8.6%   
Investments Rs m460,605905,732 50.9%   
Total assets Rs m1,930,3574,073,646 47.4%  
Debt/equity ratio x11.416.3 70.3%   
Return on assets %0.50.3 163.1%  
Return on equity %7.05.9 118.5%  
Capital adequacy ratio %12.911.1 115.4%  
Net NPAs %2.55.3 47.6%  
CASH FLOW
From Operations Rs m51,35782,741 62.1%  
From Investments Rs m-2,364-8,718 27.1%  
From Financial Activity Rs m-23,117-3,886 595.0%  
Net Cashflow Rs m25,87670,138 36.9%  

Share Holding

Indian Promoters % 82.1 60.1 136.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 8.5 16.6 51.2%  
FIIs % 5.6 8.5 65.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 3.8 14.8 25.7%  
Shareholders   66,052 235,817 28.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN BANK With:   CANARA BANK  ANDHRA BANK  J&K BANK  KARNATAKA BANK  INDIAN OVERSEAS BANK  

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



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Asset quality was under pressure on account of farm loan waivers. Despite the higher provisioning, the company reported a healthy profit growth of 20%.

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Aug 23, 2017 (Close)

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