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KARNATAKA 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

    KARNATAKA BANK UNION BANK KARNATAKA BANK/
UNION BANK
 
P/E (TTM) x 4.5 -1.3 - View Chart
P/BV x 0.4 0.1 291.0% View Chart
Dividend Yield % 3.8 0.0 -  

Financials

 KARNATAKA BANK   UNION BANK
EQUITY SHARE DATA
    KARNATAKA BANK
Mar-18
UNION BANK
Mar-19
KARNATAKA BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs179106 169.1%   
Low Rs11561 187.4%   
Income per share (Unadj.) Rs191.9194.6 98.6%  
Earnings per share (Unadj.) Rs16.4-16.6 -98.8%  
Cash flow per share (Unadj.) Rs22.0-42.9 -51.4%  
Dividends per share (Unadj.) Rs3.000-  
Avg Dividend yield %2.00-  
Book value per share (Unadj.) Rs191.4151.6 126.3%  
Shares outstanding (eoy) m282.611,763.02 16.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.80.4 178.3%   
Avg P/E ratio x9.0-5.0 -178.0%  
Avg P/CF ratio x2.61.7 149.0%  
Avg Price/Bookvalue ratio x0.80.6 139.3%  
Dividend payout %18.30-   
Avg Mkt Cap Rs m41,544147,388 28.2%   
No. of employees `0008.237.3 22.0%   
Total wages & salary Rs m5,24832,372 16.2%   
Avg. income/employee Rs Th6,626.59,208.8 72.0%   
Avg. wages/employee Rs Th641.2868.8 73.8%   
Avg. net profit/employee Rs Th565.4-784.3 -72.1%   
INCOME DATA
Interest income Rs m54,238343,137 15.8%  
Other income Rs m9,54350,417 18.9%   
Interest expense Rs m35,661238,961 14.9%   
Net interest income Rs m18,577104,176 17.8%  
Operating expense Rs m13,38878,562 17.0%   
Gross profit Rs m5,18925,614 20.3%  
Gross profit margin %9.67.5 128.2%  
Provisions/contingencies Rs m11,630115,157 10.1%   
Profit before tax Rs m4,473-39,016 -11.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-155-9,792 1.6%   
Profit after tax Rs m4,628-29,224 -15.8%  
Net profit margin %8.5-8.5 -100.2%  
BALANCE SHEET DATA
Advances Rs m472,5182,987,801 15.8%   
Deposits Rs m628,7134,175,048 15.1%  
Credit/Deposit ratio x75.271.6 105.0%  
Yield on advances %8.68.0 108.1%   
Cost of deposits %5.55.3 104.4%   
Net Interest Margin %2.82.2 126.5%  
Net fixed assets Rs m7,61637,745 20.2%   
Share capital Rs m2,82617,630 16.0%   
Free reserves Rs m19,741249,686 7.9%   
Net worth Rs m54,102267,317 20.2%   
Borrowings Rs m8,160432,756 1.9%   
Investments Rs m154,4441,283,912 12.0%   
Total assets Rs m703,7374,985,805 14.1%  
Debt/equity ratio x11.817.2 68.3%   
Return on assets %0.7-0.6 -112.2%  
Return on equity %8.6-10.9 -78.2%  
Capital adequacy ratio %12.011.8 102.2%  
Net NPAs %3.06.9 43.2%  
CASH FLOW
From Operations Rs m7,209-77,784 -9.3%  
From Investments Rs m-913-2,971 30.7%  
From Financial Activity Rs m-3,02617,582 -17.2%  
Net Cashflow Rs m3,270-63,173 -5.2%  

Share Holding

Indian Promoters % 0.0 60.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 21.1 16.6 127.1%  
FIIs % 10.0 8.5 117.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 68.9 14.8 465.5%  
Shareholders   123,252 235,817 52.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare KARNATAKA BANK With:   ICICI BANK  DENA BANK  ORIENTAL BANK  CITY UNION BANK  BANK OF BARODA  

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



Today's Market

Sensex Ends 262 Points Lower; Oil & Gas and Banking Stocks Witness Selling(Closing)

Indian share markets witnessed negative trading activity throughout the day and ended lower. At the closing bell, the BSE Sensex stood lower by 262 points (down 0.7%).

Related Views on News

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

KARNATAKA BANK Announces Quarterly Results (1QFY20); Net Profit Up 7.5% (Quarterly Result Update)

Jul 15, 2019 | Updated on Jul 15, 2019

For the quarter ended June 2019, KARNATAKA BANK has posted a net profit of Rs 2 bn (up 7.5% YoY). Sales on the other hand came in at Rs 16 bn (up 12.6% YoY). Read on for a complete analysis of KARNATAKA BANK's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

KARNATAKA BANK Announces Quarterly Results (4QFY19); Net Profit Up 461.2% (Quarterly Result Update)

May 14, 2019 | Updated on May 14, 2019

For the quarter ended March 2019, KARNATAKA BANK has posted a net profit of Rs 617 m (up 461.2% YoY). Sales on the other hand came in at Rs 15 bn (up 6.1% YoY). Read on for a complete analysis of KARNATAKA BANK's quarterly results.

UNION BANK Announces Quarterly Results (3QFY19); Net Profit Up 112.3% (Quarterly Result Update)

Jan 22, 2019 | Updated on Jan 22, 2019

For the quarter ended December 2018, UNION BANK has posted a net profit of Rs 2 bn (up 112.3% YoY). Sales on the other hand came in at Rs 85 bn (up 2.6% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

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Sep 16, 2019 (Close)

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