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Compare Punjab & Sind Bank with Union Bank - Equitymaster
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PUNJAB & SIND 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

    PUNJAB & SIND BANK UNION BANK PUNJAB & SIND BANK/
UNION BANK
 
P/E (TTM) x 5.8 15.6 37.1% View Chart
P/BV x 0.3 0.4 94.6% View Chart
Dividend Yield % 1.2 1.5 84.4%  

Financials

 PUNJAB & SIND BANK   UNION BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-15
UNION BANK
Mar-16
PUNJAB & SIND BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs84223 37.7%   
Low Rs44104 42.1%   
Income per share (Unadj.) Rs214.5470.1 45.6%  
Earnings per share (Unadj.) Rs3.019.7 15.4%  
Cash flow per share (Unadj.) Rs21.367.4 31.6%  
Dividends per share (Unadj.) Rs0.601.95 30.8%  
Avg Dividend yield %0.91.2 78.7%  
Book value per share (Unadj.) Rs139.8335.3 41.7%  
Shares outstanding (eoy) m400.41687.44 58.2%   
Bonus/Rights/Conversions PAPI-  
Avg Price / Income ratio x0.30.3 85.7%   
Avg P/E ratio x21.18.3 254.6%  
Avg P/CF ratio x3.42.1 158.9%  
Avg Price/Bookvalue ratio x0.50.5 93.8%  
Dividend payout %19.89.9 200.4%   
Avg Mkt Cap Rs m25,566112,259 22.8%   
No. of employees `0009.235.5 25.9%   
Total wages & salary Rs m8,74337,681 23.2%   
Avg. income/employee Rs Th9,355.79,109.9 102.7%   
Avg. wages/employee Rs Th952.41,062.2 89.7%   
Avg. net profit/employee Rs Th132.2382.5 34.6%   
INCOME DATA
Interest income Rs m85,886323,157 26.6%  
Other income Rs m4,288393,443 1.1%   
Interest expense Rs m69,094238,940 28.9%   
Net interest income Rs m16,79284,216 19.9%  
Operating expense Rs m13,32567,159 19.8%   
Gross profit Rs m3,46717,057 20.3%  
Gross profit margin %4.05.3 76.5%  
Provisions/contingencies Rs m6,27338,682 16.2%   
Profit before tax Rs m1,48117,769 8.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m2684,291 6.2%   
Profit after tax Rs m1,21413,569 8.9%  
Net profit margin %1.44.2 33.7%  
BALANCE SHEET DATA
Advances Rs m638,7022,682,496 23.8%   
Deposits Rs m867,1473,441,175 25.2%  
Credit/Deposit ratio x73.778.0 94.5%  
Yield on advances %10.08.8 113.0%   
Cost of deposits %7.76.4 120.4%   
Net Interest Margin %1.82.2 81.7%  
Net fixed assets Rs m9,94839,519 25.2%   
Share capital Rs m4,0046,874 58.2%   
Free reserves Rs m31,061200,761 15.5%   
Net worth Rs m55,962230,481 24.3%   
Borrowings Rs m30,482306,366 9.9%   
Investments Rs m267,517905,732 29.5%   
Total assets Rs m977,5344,073,646 24.0%  
Debt/equity ratio x16.016.3 98.6%   
Return on assets %0.10.3 37.3%  
Return on equity %2.25.9 36.8%  
Capital adequacy ratio %11.211.1 100.9%  
Net NPAs %3.65.3 67.6%  
CASH FLOW
From Operations Rs m-19,81682,741 -23.9%  
From Investments Rs m-845-8,718 9.7%  
From Financial Activity Rs m-392-3,886 10.1%  
Net Cashflow Rs m-21,05370,138 -30.0%  

Share Holding

Indian Promoters % 79.6 60.1 132.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 10.8 16.6 65.1%  
FIIs % 1.8 8.5 21.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 7.8 14.8 52.7%  
Shareholders   150,895 235,817 64.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PUNJAB & SIND BANK With:   KARNATAKA BANK  IDBI BANK  KARUR VYSYA BANK  BANK OF INDIA  SBI  

Compare PUNJAB & SIND BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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