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Compare SBI with Union Bank - Equitymaster
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SBI vs UNION BANK - Comparison Results

SBI    Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... 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

    SBI UNION BANK SBI/
UNION BANK
 
P/E (TTM) x 23.5 -5.8 - View Chart
P/BV x 1.0 0.3 315.8% View Chart
Dividend Yield % 1.0 1.8 54.7%  

Financials

 SBI   UNION BANK
EQUITY SHARE DATA
    SBI
Mar-17
UNION BANK
Mar-16
SBI/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs294223 132.3%   
Low Rs167104 160.0%   
Income per share (Unadj.) Rs289.0470.1 61.5%  
Earnings per share (Unadj.) Rs0.319.7 1.5%  
Cash flow per share (Unadj.) Rs34.667.4 51.3%  
Dividends per share (Unadj.) Rs2.601.95 133.3%  
Avg Dividend yield %1.11.2 94.5%  
Book value per share (Unadj.) Rs272.4335.3 81.2%  
Shares outstanding (eoy) m7,974.33687.44 1,160.0%   
Bonus/Rights/Conversions OIPI-  
Avg Price / Income ratio x0.80.3 229.6%   
Avg P/E ratio x761.88.3 9,207.8%  
Avg P/CF ratio x3.02.1 139.0%  
Avg Price/Bookvalue ratio x0.80.5 173.7%  
Dividend payout %859.59.9 8,699.7%   
Avg Mkt Cap Rs m1,837,684112,259 1,637.0%   
No. of employees `000209.635.5 590.8%   
Total wages & salary Rs m356,91237,681 947.2%   
Avg. income/employee Rs Th10,996.49,109.9 120.7%   
Avg. wages/employee Rs Th1,703.11,062.2 160.3%   
Avg. net profit/employee Rs Th11.5382.5 3.0%   
INCOME DATA
Interest income Rs m2,304,475323,157 713.1%  
Other income Rs m681,930393,443 173.3%   
Interest expense Rs m1,491,147238,940 624.1%   
Net interest income Rs m813,32884,216 965.8%  
Operating expense Rs m872,90167,159 1,299.7%   
Gross profit Rs m-59,57317,057 -349.3%  
Gross profit margin %-2.65.3 -49.0%  
Provisions/contingencies Rs m612,90938,682 1,584.5%   
Profit before tax Rs m9,44817,769 53.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m3,38690 3,749.9%   
Prior Period Items Rs m2,9330-   
Tax Rs m13,3554,291 311.2%   
Profit after tax Rs m2,41213,569 17.8%  
Net profit margin %0.14.2 2.5%  
BALANCE SHEET DATA
Advances Rs m18,968,8682,682,496 707.1%   
Deposits Rs m25,998,1073,441,175 755.5%  
Credit/Deposit ratio x73.078.0 93.6%  
Yield on advances %8.38.8 93.6%   
Cost of deposits %5.36.4 83.2%   
Net Interest Margin %2.52.2 117.3%  
Net fixed assets Rs m509,40739,519 1,289.0%   
Share capital Rs m7,9746,874 116.0%   
Free reserves Rs m2,163,948200,761 1,077.9%   
Net worth Rs m2,171,922230,481 942.3%   
Borrowings Rs m3,363,657306,366 1,097.9%   
Investments Rs m10,272,809905,732 1,134.2%   
Total assets Rs m34,451,2164,073,646 845.7%  
Debt/equity ratio x13.516.3 83.1%   
Return on assets %00.3 2.1%  
Return on equity %0.15.9 1.9%  
Capital adequacy ratio %13.611.1 121.7%  
Net NPAs %3.75.3 70.7%  
CASH FLOW
From Operations Rs m774,06082,741 935.5%  
From Investments Rs m-28,321-8,718 324.9%  
From Financial Activity Rs m-41,965-3,886 1,080.0%  
Net Cashflow Rs m703,77470,138 1,003.4%  

Share Holding

Indian Promoters % 58.6 60.1 97.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 20.9 16.6 125.9%  
FIIs % 9.7 8.5 114.1%  
ADR/GDR % 2.1 0.0 -  
Free float % 8.7 14.8 58.8%  
Shareholders   855,889 235,817 362.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SBI With:   ORIENTAL BANK  UNITED BANK OF INDIA  PNB  HDFC BANK  KARUR VYSYA BANK  

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



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Axis Bank: Lower Slippages Save Bottomline Performance (Quarterly Results Update - Detailed)

Feb 6, 2018

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Jan 22, 2018

The bank delivers a consistent performance with net profits growing by 20%. However, bad loans have risen considerably and would be the key things to watch out for going forward.

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Feb 19, 2018 (Close)

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