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Compare South Ind.Bank with Union Bank - Equitymaster

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SOUTH IND.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

    SOUTH IND.BANK UNION BANK SOUTH IND.BANK/
UNION BANK
 
P/E (TTM) x 5.7 -1.0 - View Chart
P/BV x 0.7 0.2 302.5% View Chart
Dividend Yield % 1.7 0.0 -  

Financials

 SOUTH IND.BANK   UNION BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-17
UNION BANK
Mar-18
SOUTH IND.BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs26205 12.5%   
Low Rs1786 20.1%   
Income per share (Unadj.) Rs32.4282.0 11.5%  
Earnings per share (Unadj.) Rs2.2-44.6 -4.9%  
Cash flow per share (Unadj.) Rs6.4-115.2 -5.6%  
Dividends per share (Unadj.) Rs0.400-  
Avg Dividend yield %1.90-  
Book value per share (Unadj.) Rs26.9216.1 12.4%  
Shares outstanding (eoy) m1,802.841,168.57 154.3%   
Bonus/Rights/Conversions ESOS--  
Avg Price / Income ratio x0.70.5 128.2%   
Avg P/E ratio x9.9-3.3 -302.0%  
Avg P/CF ratio x3.81.9 203.2%  
Avg Price/Bookvalue ratio x0.80.7 118.5%  
Dividend payout %18.40-   
Avg Mkt Cap Rs m38,671170,027 22.7%   
No. of employees `0007.737.6 20.4%   
Total wages & salary Rs m6,76533,322 20.3%   
Avg. income/employee Rs Th7,616.48,766.7 86.9%   
Avg. wages/employee Rs Th881.2886.5 99.4%   
Avg. net profit/employee Rs Th511.3-1,386.8 -36.9%   
INCOME DATA
Interest income Rs m58,471329,516 17.7%  
Other income Rs m7,15654,621 13.1%   
Interest expense Rs m41,717234,709 17.8%   
Net interest income Rs m16,75494,807 17.7%  
Operating expense Rs m11,76473,508 16.0%   
Gross profit Rs m4,99021,298 23.4%  
Gross profit margin %8.56.5 132.0%  
Provisions/contingencies Rs m6,144142,063 4.3%   
Profit before tax Rs m6,002-66,062 -9.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,077-13,938 -14.9%   
Profit after tax Rs m3,925-52,125 -7.5%  
Net profit margin %6.7-15.8 -42.4%  
BALANCE SHEET DATA
Advances Rs m463,8952,905,715 16.0%   
Deposits Rs m661,1754,102,884 16.1%  
Credit/Deposit ratio x70.270.8 99.1%  
Yield on advances %9.67.9 121.9%   
Cost of deposits %6.05.3 113.7%   
Net Interest Margin %2.42.0 118.0%  
Net fixed assets Rs m6,56138,461 17.1%   
Share capital Rs m1,80311,686 15.4%   
Free reserves Rs m32,009228,925 14.0%   
Net worth Rs m48,485252,518 19.2%   
Borrowings Rs m19,578456,804 4.3%   
Investments Rs m194,2971,255,107 15.5%   
Total assets Rs m743,1224,911,464 15.1%  
Debt/equity ratio x14.018.1 77.8%   
Return on assets %0.5-1.1 -49.8%  
Return on equity %8.1-20.6 -39.2%  
Capital adequacy ratio %12.411.5 107.6%  
Net NPAs %1.58.4 17.2%  
CASH FLOW
From Operations Rs m19,56660,893 32.1%  
From Investments Rs m-18,415-3,068 600.3%  
From Financial Activity Rs m4,982107,919 4.6%  
Net Cashflow Rs m6,133165,744 3.7%  

Share Holding

Indian Promoters % 0.0 60.1 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 12.0 16.6 72.3%  
FIIs % 41.7 8.5 490.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 46.3 14.8 312.8%  
Shareholders   247,922 235,817 105.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SOUTH IND.BANK With:   IDBI BANK  KOTAK MAH. BANK  DCB BANK  BANK OF BARODA  FEDERAL BANK  

Compare SOUTH IND.BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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