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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 5.5 -7.3 - View Chart
P/BV x 1.2 0.4 315.1% View Chart
Dividend Yield % 1.9 1.4 133.1%  

Financials

 SOUTH IND.BANK   UNION BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-15
UNION BANK
Mar-16
SOUTH IND.BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs35223 15.8%   
Low Rs22104 20.9%   
Income per share (Unadj.) Rs39.2470.1 8.3%  
Earnings per share (Unadj.) Rs2.319.7 11.5%  
Cash flow per share (Unadj.) Rs7.767.4 11.4%  
Dividends per share (Unadj.) Rs0.601.95 30.8%  
Avg Dividend yield %2.11.2 176.6%  
Book value per share (Unadj.) Rs26.6335.3 7.9%  
Shares outstanding (eoy) m1,350.15687.44 196.4%   
Bonus/Rights/Conversions ESOSPI-  
Avg Price / Income ratio x0.70.3 209.2%   
Avg P/E ratio x12.58.3 151.1%  
Avg P/CF ratio x5.32.1 247.9%  
Avg Price/Bookvalue ratio x1.10.5 219.6%  
Dividend payout %26.49.9 266.9%   
Avg Mkt Cap Rs m38,412112,259 34.2%   
No. of employees `0007.835.5 22.1%   
Total wages & salary Rs m6,33737,681 16.8%   
Avg. income/employee Rs Th6,755.69,109.9 74.2%   
Avg. wages/employee Rs Th809.81,062.2 76.2%   
Avg. net profit/employee Rs Th392.6382.5 102.6%   
INCOME DATA
Interest income Rs m52,862323,157 16.4%  
Other income Rs m4,971393,443 1.3%   
Interest expense Rs m39,200238,940 16.4%   
Net interest income Rs m13,66284,216 16.2%  
Operating expense Rs m9,81367,159 14.6%   
Gross profit Rs m3,84917,057 22.6%  
Gross profit margin %7.35.3 138.0%  
Provisions/contingencies Rs m4,14138,682 10.7%   
Profit before tax Rs m4,68017,769 26.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m1,6084,291 37.5%   
Profit after tax Rs m3,07213,569 22.6%  
Net profit margin %5.84.2 138.4%  
BALANCE SHEET DATA
Advances Rs m373,9162,682,496 13.9%   
Deposits Rs m519,1253,441,175 15.1%  
Credit/Deposit ratio x72.078.0 92.4%  
Yield on advances %11.18.8 125.8%   
Cost of deposits %7.16.4 109.9%   
Net Interest Margin %2.42.2 109.2%  
Net fixed assets Rs m4,79139,519 12.1%   
Share capital Rs m1,3506,874 19.6%   
Free reserves Rs m23,794200,761 11.9%   
Net worth Rs m35,918230,481 15.6%   
Borrowings Rs m22,325306,366 7.3%   
Investments Rs m167,172905,732 18.5%   
Total assets Rs m591,1634,073,646 14.5%  
Debt/equity ratio x15.116.3 92.7%   
Return on assets %0.50.3 156.0%  
Return on equity %8.65.9 145.3%  
Capital adequacy ratio %12.111.1 108.3%  
Net NPAs %1.05.3 18.3%  
CASH FLOW
From Operations Rs m6,87082,741 8.3%  
From Investments Rs m-1,726-8,718 19.8%  
From Financial Activity Rs m-1,372-3,886 35.3%  
Net Cashflow Rs m3,77270,138 5.4%  

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:   ICICI BANK  DENA BANK  ORIENTAL BANK  J&K BANK  BANK OF BARODA  

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



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