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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 2.6 15.6 16.4% View Chart
P/BV x 0.3 0.4 68.4% View Chart
Dividend Yield % 0.6 1.5 38.2%  

Financials

 ORIENTAL BANK   UNION BANK
EQUITY SHARE DATA
    ORIENTAL BANK
Mar-16
UNION BANK
Mar-16
ORIENTAL BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs235223 105.7%   
Low Rs75104 72.3%   
Income per share (Unadj.) Rs624.1470.1 132.8%  
Earnings per share (Unadj.) Rs6.219.7 31.3%  
Cash flow per share (Unadj.) Rs14.667.4 21.7%  
Dividends per share (Unadj.) Rs0.701.95 35.9%  
Avg Dividend yield %0.51.2 37.8%  
Book value per share (Unadj.) Rs464.9335.3 138.7%  
Shares outstanding (eoy) m321.40687.44 46.8%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x0.20.3 71.6%   
Avg P/E ratio x25.18.3 303.9%  
Avg P/CF ratio x1.42.1 65.3%  
Avg Price/Bookvalue ratio x0.30.5 68.6%  
Dividend payout %11.39.9 114.7%   
Avg Mkt Cap Rs m49,897112,259 44.4%   
No. of employees `000NA35.5 0.0%   
Total wages & salary Rs m20,31737,681 53.9%   
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 m200,587323,157 62.1%  
Other income Rs m17,663393,443 4.5%   
Interest expense Rs m146,841238,940 61.5%   
Net interest income Rs m53,74684,216 63.8%  
Operating expense Rs m34,58867,159 51.5%   
Gross profit Rs m19,15817,057 112.3%  
Gross profit margin %9.65.3 180.9%  
Provisions/contingencies Rs m33,56238,682 86.8%   
Profit before tax Rs m3,68217,769 20.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,6984,291 39.6%   
Profit after tax Rs m1,98513,569 14.6%  
Net profit margin %1.04.2 23.6%  
BALANCE SHEET DATA
Advances Rs m1,488,8002,682,496 55.5%   
Deposits Rs m2,089,1483,441,175 60.7%  
Credit/Deposit ratio x71.378.0 91.4%  
Yield on advances %9.98.8 112.5%   
Cost of deposits %6.76.4 104.8%   
Net Interest Margin %2.42.2 110.4%  
Net fixed assets Rs m22,71939,519 57.5%   
Share capital Rs m3,2146,874 46.8%   
Free reserves Rs m90,590200,761 45.1%   
Net worth Rs m149,411230,481 64.8%   
Borrowings Rs m78,974306,366 25.8%   
Investments Rs m656,578905,732 72.5%   
Total assets Rs m2,375,4154,073,646 58.3%  
Debt/equity ratio x14.516.3 89.2%   
Return on assets %0.10.3 25.1%  
Return on equity %1.35.9 22.6%  
Capital adequacy ratio %11.811.1 105.6%  
Net NPAs %6.75.3 127.6%  
CASH FLOW
From Operations Rs m-14,15882,741 -17.1%  
From Investments Rs m-2,105-8,718 24.1%  
From Financial Activity Rs m8,130-3,886 -209.2%  
Net Cashflow Rs m-8,13470,138 -11.6%  

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:   ALLAHABAD BANK  VIJAYA BANK  INDUSIND BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  

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



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Aug 17, 2017 (Close)

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