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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 -1.8 -1.6 - View Chart
P/BV x 0.1 0.2 80.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 PUNJAB & SIND BANK   UNION BANK
EQUITY SHARE DATA
    PUNJAB & SIND BANK
Mar-18
UNION BANK
Mar-19
PUNJAB & SIND BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs72106 68.3%   
Low Rs3361 54.4%   
Income per share (Unadj.) Rs140.7194.6 72.3%  
Earnings per share (Unadj.) Rs-13.2-16.6 79.4%  
Cash flow per share (Unadj.) Rs-9.1-42.9 21.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs119.4151.6 78.8%  
Shares outstanding (eoy) m564.911,763.02 32.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.4 87.4%   
Avg P/E ratio x-4.0-5.0 79.6%  
Avg P/CF ratio x3.51.7 205.6%  
Avg Price/Bookvalue ratio x0.40.6 80.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m29,855147,388 20.3%   
No. of employees `0009.337.3 25.0%   
Total wages & salary Rs m11,23032,372 34.7%   
Avg. income/employee Rs Th8,528.79,208.8 92.6%   
Avg. wages/employee Rs Th1,204.9868.8 138.7%   
Avg. net profit/employee Rs Th-798.1-784.3 101.8%   
INCOME DATA
Interest income Rs m79,488343,137 23.2%  
Other income Rs m5,81250,417 11.5%   
Interest expense Rs m57,136238,961 23.9%   
Net interest income Rs m22,352104,176 21.5%  
Operating expense Rs m16,71778,562 21.3%   
Gross profit Rs m5,63525,614 22.0%  
Gross profit margin %7.17.5 95.0%  
Provisions/contingencies Rs m15,906115,157 13.8%   
Profit before tax Rs m-5,948-39,016 15.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,490-9,792 -15.2%   
Profit after tax Rs m-7,438-29,224 25.5%  
Net profit margin %-9.4-8.5 109.9%  
BALANCE SHEET DATA
Advances Rs m665,6952,987,801 22.3%   
Deposits Rs m1,017,2624,175,048 24.4%  
Credit/Deposit ratio x65.471.6 91.4%  
Yield on advances %7.98.0 98.4%   
Cost of deposits %5.35.3 100.5%   
Net Interest Margin %2.12.2 94.6%  
Net fixed assets Rs m10,82637,745 28.7%   
Share capital Rs m5,64917,630 32.0%   
Free reserves Rs m32,485249,686 13.0%   
Net worth Rs m67,476267,317 25.2%   
Borrowings Rs m36,830432,756 8.5%   
Investments Rs m329,8181,283,912 25.7%   
Total assets Rs m1,137,5924,985,805 22.8%  
Debt/equity ratio x15.617.2 90.6%   
Return on assets %-0.7-0.6 111.6%  
Return on equity %-11.0-10.9 100.8%  
Capital adequacy ratio %11.311.8 95.5%  
Net NPAs %6.96.9 101.2%  
CASH FLOW
From Operations Rs m10,633-77,784 -13.7%  
From Investments Rs m-514-2,971 17.3%  
From Financial Activity Rs m15,31017,582 87.1%  
Net Cashflow Rs m25,429-63,173 -40.3%  

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:   ALLAHABAD BANK  VIJAYA BANK  DHANLAXMI BANK  DCB BANK  SYNDICATE BANK  

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



Today's Market

Sensex Ends Over 300 Points Higher; Energy and Metal Stocks Witness Buying(Closing)

After opening the day marginally lower, Indian share markets witnessed most of the buying interest during closing hours and ended their trading session on a strong note.

Related Views on News

PUNJAB & SIND BANK Announces Quarterly Results (4QFY19); Net Profit Up 88.8% (Quarterly Result Update)

May 29, 2019 | Updated on May 29, 2019

For the quarter ended March 2019, PUNJAB & SIND BANK has posted a net profit of Rs 586 m (up 88.8% YoY). Sales on the other hand came in at Rs 20 bn (up 2.6% YoY). Read on for a complete analysis of PUNJAB & SIND 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.

PUNJAB & SIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 108.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PUNJAB & SIND BANK has posted a net profit of Rs 223 m (up 108.7% YoY). Sales on the other hand came in at Rs 22 bn (up 5.5% YoY). Read on for a complete analysis of PUNJAB & SIND 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.

PUNJAB & SIND BANK Announces Quarterly Results (2QFY19); Net Profit Down 897.3% (Quarterly Result Update)

Nov 21, 2018 | Updated on Nov 21, 2018

For the quarter ended September 2018, PUNJAB & SIND BANK has posted a net profit of Rs 1 bn (down 897.3% YoY). Sales on the other hand came in at Rs 22 bn (up 10.1% YoY). Read on for a complete analysis of PUNJAB & SIND BANK's quarterly results.

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