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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 6.5 -1.4 - View Chart
P/BV x 0.4 0.2 203.5% View Chart
Dividend Yield % 2.6 0.0 -  

Financials

 SOUTH IND.BANK   UNION BANK
EQUITY SHARE DATA
    SOUTH IND.BANK
Mar-18
UNION BANK
Mar-18
SOUTH IND.BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs35205 17.0%   
Low Rs2086 23.3%   
Income per share (Unadj.) Rs34.2282.0 12.1%  
Earnings per share (Unadj.) Rs1.9-44.6 -4.2%  
Cash flow per share (Unadj.) Rs4.6-115.2 -4.0%  
Dividends per share (Unadj.) Rs0.400-  
Avg Dividend yield %1.50-  
Book value per share (Unadj.) Rs29.0216.1 13.4%  
Shares outstanding (eoy) m1,808.831,168.57 154.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.80.5 155.1%   
Avg P/E ratio x14.8-3.3 -453.7%  
Avg P/CF ratio x3.81.9 199.2%  
Avg Price/Bookvalue ratio x0.90.7 140.4%  
Dividend payout %21.60-   
Avg Mkt Cap Rs m49,562170,027 29.1%   
No. of employees `0007.937.6 21.1%   
Total wages & salary Rs m7,13233,322 21.4%   
Avg. income/employee Rs Th7,793.68,766.7 88.9%   
Avg. wages/employee Rs Th897.6886.5 101.2%   
Avg. net profit/employee Rs Th421.5-1,386.8 -30.4%   
INCOME DATA
Interest income Rs m61,928329,516 18.8%  
Other income Rs m8,37354,621 15.3%   
Interest expense Rs m42,273234,709 18.0%   
Net interest income Rs m19,65594,807 20.7%  
Operating expense Rs m13,22073,508 18.0%   
Gross profit Rs m6,43521,298 30.2%  
Gross profit margin %10.46.5 160.8%  
Provisions/contingencies Rs m9,809142,063 6.9%   
Profit before tax Rs m4,999-66,062 -7.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m1,650-13,938 -11.8%   
Profit after tax Rs m3,349-52,125 -6.4%  
Net profit margin %5.4-15.8 -34.2%  
BALANCE SHEET DATA
Advances Rs m545,6292,905,715 18.8%   
Deposits Rs m720,2964,102,884 17.6%  
Credit/Deposit ratio x75.870.8 107.0%  
Yield on advances %8.77.9 111.1%   
Cost of deposits %5.65.3 106.1%   
Net Interest Margin %2.52.0 125.1%  
Net fixed assets Rs m6,80838,461 17.7%   
Share capital Rs m1,80911,686 15.5%   
Free reserves Rs m33,994228,925 14.8%   
Net worth Rs m52,432252,518 20.8%   
Borrowings Rs m40,434456,804 8.9%   
Investments Rs m183,6311,255,107 14.6%   
Total assets Rs m826,8594,911,464 16.8%  
Debt/equity ratio x14.518.1 80.4%   
Return on assets %0.4-1.1 -38.2%  
Return on equity %6.4-20.6 -30.9%  
Capital adequacy ratio %12.711.5 110.4%  
Net NPAs %2.68.4 30.9%  
CASH FLOW
From Operations Rs m7,92960,893 13.0%  
From Investments Rs m-8,238-3,068 268.5%  
From Financial Activity Rs m3,643107,919 3.4%  
Net Cashflow Rs m3,333165,744 2.0%  

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  UNITED BANK OF INDIA  ICICI BANK  SBI  

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



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