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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 -0.1 -0.7 - View Chart
P/BV x 0.1 0.1 110.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 INDIAN OVERSEAS BANK   UNION BANK
EQUITY SHARE DATA
    INDIAN OVERSEAS BANK
Mar-19
UNION BANK
Mar-19
INDIAN OVERSEAS BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs19106 17.7%   
Low Rs1161 17.8%   
Income per share (Unadj.) Rs19.3194.6 9.9%  
Earnings per share (Unadj.) Rs-4.1-16.6 24.7%  
Cash flow per share (Unadj.) Rs-16.1-42.9 37.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs17.9151.6 11.8%  
Shares outstanding (eoy) m9,141.651,763.02 518.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.80.4 178.7%   
Avg P/E ratio x-3.6-5.0 71.8%  
Avg P/CF ratio x1.41.7 83.2%  
Avg Price/Bookvalue ratio x0.80.6 150.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m135,296147,388 91.8%   
No. of employees `00026.337.3 70.7%   
Total wages & salary Rs m26,46932,372 81.8%   
Avg. income/employee Rs Th6,691.49,208.8 72.7%   
Avg. wages/employee Rs Th1,004.5868.8 115.6%   
Avg. net profit/employee Rs Th-1,418.6-784.3 180.9%   
INCOME DATA
Interest income Rs m176,313343,137 51.4%  
Other income Rs m42,06350,417 83.4%   
Interest expense Rs m123,521238,961 51.7%   
Net interest income Rs m52,791104,176 50.7%  
Operating expense Rs m44,51678,562 56.7%   
Gross profit Rs m8,27625,614 32.3%  
Gross profit margin %4.77.5 62.9%  
Provisions/contingencies Rs m132,171115,157 114.8%   
Profit before tax Rs m-59,605-39,016 152.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,227-9,792 227.0%   
Profit after tax Rs m-37,379-29,224 127.9%  
Net profit margin %-21.2-8.5 248.9%  
BALANCE SHEET DATA
Advances Rs m1,325,9762,987,801 44.4%   
Deposits Rs m2,225,3414,175,048 53.3%  
Credit/Deposit ratio x59.671.6 83.3%  
Yield on advances %8.88.0 110.7%   
Cost of deposits %5.25.3 98.0%   
Net Interest Margin %2.32.2 103.4%  
Net fixed assets Rs m33,36937,745 88.4%   
Share capital Rs m91,41717,630 518.5%   
Free reserves Rs m72,182249,686 28.9%   
Net worth Rs m163,599267,317 61.2%   
Borrowings Rs m61,460432,756 14.2%   
Investments Rs m669,3231,283,912 52.1%   
Total assets Rs m2,500,0754,985,805 50.1%  
Debt/equity ratio x14.017.2 81.1%   
Return on assets %-1.5-0.6 255.1%  
Return on equity %-22.8-10.9 209.0%  
Capital adequacy ratio %10.211.8 86.7%  
Net NPAs %10.86.9 157.8%  
CASH FLOW
From Operations Rs m-7,859-77,784 10.1%  
From Investments Rs m-6,471-2,971 217.8%  
From Financial Activity Rs m57,79517,582 328.7%  
Net Cashflow Rs m43,465-63,173 -68.8%  

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:   VIJAYA BANK  AXIS BANK  BANK OF BARODA  CANARA BANK  CITY UNION BANK  

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



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For the quarter ended June 2019, INDIAN OVERSEAS BANK has posted a net profit of Rs 3 bn (up 62.8% YoY). Sales on the other hand came in at Rs 43 bn (up 2.1% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

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