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Compare Oriental Bank with Union Bank - Equitymaster

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ORIENTAL BANK vs UNION BANK - Comparison Results

ORIENTAL BANK    Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

UNION BANK 
   Change

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

    ORIENTAL BANK UNION BANK ORIENTAL BANK/
UNION BANK
 
P/E (TTM) x -0.7 -1.5 - View Chart
P/BV x 0.2 0.2 112.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 ORIENTAL BANK   UNION BANK
EQUITY SHARE DATA
    ORIENTAL BANK
Mar-18
UNION BANK
Mar-18
ORIENTAL BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs191205 93.1%   
Low Rs8486 97.7%   
Income per share (Unadj.) Rs275.0282.0 97.5%  
Earnings per share (Unadj.) Rs-92.8-44.6 208.0%  
Cash flow per share (Unadj.) Rs-194.4-115.2 168.8%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs186.3216.1 86.2%  
Shares outstanding (eoy) m632.771,168.57 54.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.5 96.8%   
Avg P/E ratio x-1.5-3.3 45.4%  
Avg P/CF ratio x2.21.9 117.1%  
Avg Price/Bookvalue ratio x0.70.7 109.6%  
Dividend payout %00-   
Avg Mkt Cap Rs m86,943170,027 51.1%   
No. of employees `00022.037.6 58.5%   
Total wages & salary Rs m17,56633,322 52.7%   
Avg. income/employee Rs Th7,916.98,766.7 90.3%   
Avg. wages/employee Rs Th799.3886.5 90.2%   
Avg. net profit/employee Rs Th-2,671.8-1,386.8 192.7%   
INCOME DATA
Interest income Rs m173,989329,516 52.8%  
Other income Rs m27,82454,621 50.9%   
Interest expense Rs m128,881234,709 54.9%   
Net interest income Rs m45,10894,807 47.6%  
Operating expense Rs m35,90073,508 48.8%   
Gross profit Rs m9,20821,298 43.2%  
Gross profit margin %5.36.5 81.9%  
Provisions/contingencies Rs m97,976142,063 69.0%   
Profit before tax Rs m-60,944-66,062 92.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-2,227-13,938 16.0%   
Profit after tax Rs m-58,717-52,125 112.6%  
Net profit margin %-33.7-15.8 213.3%  
BALANCE SHEET DATA
Advances Rs m1,363,6792,905,715 46.9%   
Deposits Rs m2,073,4614,102,884 50.5%  
Credit/Deposit ratio x65.870.8 92.9%  
Yield on advances %8.97.9 113.1%   
Cost of deposits %5.85.3 110.5%   
Net Interest Margin %2.12.0 100.7%  
Net fixed assets Rs m25,49638,461 66.3%   
Share capital Rs m6,32811,686 54.1%   
Free reserves Rs m115,677228,925 50.5%   
Net worth Rs m117,868252,518 46.7%   
Borrowings Rs m96,941456,804 21.2%   
Investments Rs m699,0231,255,107 55.7%   
Total assets Rs m2,333,4404,911,464 47.5%  
Debt/equity ratio x18.418.1 102.0%   
Return on assets %-2.5-1.1 237.1%  
Return on equity %-49.8-20.6 241.3%  
Capital adequacy ratio %10.511.5 91.3%  
Net NPAs %10.58.4 124.5%  
CASH FLOW
From Operations Rs m-36,38960,893 -59.8%  
From Investments Rs m-4,506-3,068 146.9%  
From Financial Activity Rs m3,447107,919 3.2%  
Net Cashflow Rs m-37,448165,744 -22.6%  

Share Holding

Indian Promoters % 59.1 60.1 98.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 24.0 16.6 144.6%  
FIIs % 9.9 8.5 116.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.0 14.8 47.3%  
Shareholders   114,330 235,817 48.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare ORIENTAL BANK With:   KARNATAKA BANK  ALLAHABAD BANK  AXIS BANK  UNITED BANK OF INDIA  PNB  

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



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For the quarter ended September 2018, ORIENTAL BANK has posted a net profit of Rs 1 bn (up 105.8% YoY). Sales on the other hand came in at Rs 43 bn (down 3.7% YoY). Read on for a complete analysis of ORIENTAL BANK's quarterly results.

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