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Compare Karnataka Bank with Union Bank - Equitymaster
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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 6.6 -6.3 - View Chart
P/BV x 0.8 0.3 255.5% View Chart
Dividend Yield % 3.7 1.6 226.8%  

Financials

 KARNATAKA BANK   UNION BANK
EQUITY SHARE DATA
    KARNATAKA BANK
Mar-16
UNION BANK
Mar-16
KARNATAKA BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs155223 69.7%   
Low Rs86104 82.5%   
Income per share (Unadj.) Rs264.9470.1 56.4%  
Earnings per share (Unadj.) Rs22.119.7 111.8%  
Cash flow per share (Unadj.) Rs63.367.4 93.9%  
Dividends per share (Unadj.) Rs5.001.95 256.4%  
Avg Dividend yield %4.21.2 347.6%  
Book value per share (Unadj.) Rs195.8335.3 58.4%  
Shares outstanding (eoy) m188.46687.44 27.4%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.50.3 130.9%   
Avg P/E ratio x5.58.3 66.0%  
Avg P/CF ratio x3.12.1 142.3%  
Avg Price/Bookvalue ratio x0.60.5 126.3%  
Dividend payout %22.79.9 229.4%   
Avg Mkt Cap Rs m22,700112,259 20.2%   
No. of employees `0007.835.5 22.0%   
Total wages & salary Rs m4,43037,681 11.8%   
Avg. income/employee Rs Th6,406.89,109.9 70.3%   
Avg. wages/employee Rs Th568.51,062.2 53.5%   
Avg. net profit/employee Rs Th533.5382.5 139.5%   
INCOME DATA
Interest income Rs m49,922323,157 15.4%  
Other income Rs m5,429393,443 1.4%   
Interest expense Rs m36,893238,940 15.4%   
Net interest income Rs m13,02984,216 15.5%  
Operating expense Rs m9,91267,159 14.8%   
Gross profit Rs m3,11717,057 18.3%  
Gross profit margin %6.25.3 118.3%  
Provisions/contingencies Rs m3,26538,682 8.4%   
Profit before tax Rs m5,28417,769 29.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,1274,291 26.3%   
Profit after tax Rs m4,15713,569 30.6%  
Net profit margin %8.34.2 198.3%  
BALANCE SHEET DATA
Advances Rs m339,0242,682,496 12.6%   
Deposits Rs m504,8823,441,175 14.7%  
Credit/Deposit ratio x67.178.0 86.1%  
Yield on advances %10.98.8 123.6%   
Cost of deposits %7.16.4 110.8%   
Net Interest Margin %2.42.2 113.0%  
Net fixed assets Rs m3,06639,519 7.8%   
Share capital Rs m1,8856,874 27.4%   
Free reserves Rs m12,672200,761 6.3%   
Net worth Rs m36,906230,481 16.0%   
Borrowings Rs m10,515306,366 3.4%   
Investments Rs m162,567905,732 17.9%   
Total assets Rs m565,0034,073,646 13.9%  
Debt/equity ratio x14.016.3 85.9%   
Return on assets %0.70.3 220.9%  
Return on equity %11.35.9 191.3%  
Capital adequacy ratio %12.011.1 108.0%  
Net NPAs %2.45.3 44.8%  
CASH FLOW
From Operations Rs m6,35982,741 7.7%  
From Investments Rs m-579-8,718 6.6%  
From Financial Activity Rs m-1,473-3,886 37.9%  
Net Cashflow Rs m4,30870,138 6.1%  

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:   CANARA BANK  VIJAYA BANK  INDUSIND BANK  DCB BANK  INDIAN OVERSEAS BANK  

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



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Feb 16, 2018 (Close)

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