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Compare Indian Overseas Bank with Union Bank - Equitymaster
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INDIAN OVERSEAS 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 OVERSEAS BANK UNION BANK INDIAN OVERSEAS BANK/
UNION BANK
 
P/E (TTM) x -0.7 -5.7 - View Chart
P/BV x 0.2 0.3 51.9% View Chart
Dividend Yield % 0.0 1.8 -  

Financials

 INDIAN OVERSEAS BANK   UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-16
UNION BANK
Mar-16
INDIAN OVERSEAS BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs48223 21.3%   
Low Rs21104 20.3%   
Income per share (Unadj.) Rs130.1470.1 27.7%  
Earnings per share (Unadj.) Rs-18.719.7 -95.0%  
Cash flow per share (Unadj.) Rs-32.167.4 -47.7%  
Dividends per share (Unadj.) Rs01.95 0.0%  
Avg Dividend yield %01.2 0.0%  
Book value per share (Unadj.) Rs86.7335.3 25.9%  
Shares outstanding (eoy) m1,807.27687.44 262.9%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.30.3 75.9%   
Avg P/E ratio x-1.88.3 -22.1%  
Avg P/CF ratio x1.92.1 89.4%  
Avg Price/Bookvalue ratio x0.40.5 81.2%  
Dividend payout %09.9 0.0%   
Avg Mkt Cap Rs m61,989112,259 55.2%   
No. of employees `000NA35.5 0.0%   
Total wages & salary Rs m33,90437,681 90.0%   
Avg. income/employee Rs ThNM9,109.9-  
Avg. wages/employee Rs ThNM1,062.2-  
Avg. net profit/employee Rs ThN.A.382.5-  
INCOME DATA
Interest income Rs m235,173323,157 72.8%  
Other income Rs m25,283393,443 6.4%   
Interest expense Rs m181,346238,940 75.9%   
Net interest income Rs m53,82784,216 63.9%  
Operating expense Rs m50,25567,159 74.8%   
Gross profit Rs m3,57217,057 20.9%  
Gross profit margin %1.55.3 28.8%  
Provisions/contingencies Rs m66,13638,682 171.0%   
Profit before tax Rs m-42,17917,769 -237.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-8,3084,291 -193.6%   
Profit after tax Rs m-33,87213,569 -249.6%  
Net profit margin %-14.44.2 -343.0%  
BALANCE SHEET DATA
Advances Rs m1,608,6072,682,496 60.0%   
Deposits Rs m2,245,1423,441,175 65.2%  
Credit/Deposit ratio x71.678.0 91.9%  
Yield on advances %10.48.8 117.3%   
Cost of deposits %7.26.4 112.8%   
Net Interest Margin %2.12.2 94.7%  
Net fixed assets Rs m32,70539,519 82.8%   
Share capital Rs m18,0736,874 262.9%   
Free reserves Rs m89,452200,761 44.6%   
Net worth Rs m156,658230,481 68.0%   
Borrowings Rs m271,833306,366 88.7%   
Investments Rs m791,896905,732 87.4%   
Total assets Rs m2,744,3684,073,646 67.4%  
Debt/equity ratio x16.116.3 98.8%   
Return on assets %-1.20.3 -370.5%  
Return on equity %-21.65.9 -367.3%  
Capital adequacy ratio %9.711.1 86.7%  
Net NPAs %11.95.3 226.5%  
CASH FLOW
From Operations Rs m-15,51582,741 -18.8%  
From Investments Rs m-2,536-8,718 29.1%  
From Financial Activity Rs m-8,472-3,886 218.0%  
Net Cashflow Rs m-26,52370,138 -37.8%  

Share Holding

Indian Promoters % 73.8 60.1 122.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 15.3 16.6 92.2%  
FIIs % 1.9 8.5 22.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 9.1 14.8 61.5%  
Shareholders   250,609 235,817 106.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare INDIAN OVERSEAS BANK With:   BANK OF MAHARASHTRA  PNB  J&K BANK  DCB BANK  VIJAYA BANK  

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



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