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Compare Union Bank with Allahabad Bank - Equitymaster
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UNION BANK vs ALLAHABAD BANK - Comparison Results

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

ALLAHABAD BANK 
   Change

Headquartered in Kolkata, Allahabad Bank was established in 1865. The bank had 2.1% share of the total non-food credit and 2.2% share of the total deposits in the banking sector in FY07. The bank has national presence through 2,107 branches and 208 A... More

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Current Valuations

    UNION BANK ALLAHABAD BANK UNION BANK/
ALLAHABAD BANK
 
P/E (TTM) x 15.6 -3.8 - View Chart
P/BV x 0.4 0.3 137.2% View Chart
Dividend Yield % 1.5 0.0 -  

Financials

 UNION BANK   ALLAHABAD BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
ALLAHABAD BANK
Mar-16
UNION BANK/
ALLAHABAD BANK
5-Yr Chart
Click to enlarge
High Rs223109 204.7%   
Low Rs10441 252.1%   
Income per share (Unadj.) Rs470.1308.2 152.5%  
Earnings per share (Unadj.) Rs19.7-11.7 -168.3%  
Cash flow per share (Unadj.) Rs67.4-40.5 -166.2%  
Dividends per share (Unadj.) Rs1.950-  
Avg Dividend yield %1.20-  
Book value per share (Unadj.) Rs335.3233.8 143.4%  
Shares outstanding (eoy) m687.44613.80 112.0%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.2 142.7%   
Avg P/E ratio x8.3-6.4 -129.4%  
Avg P/CF ratio x2.11.0 211.7%  
Avg Price/Bookvalue ratio x0.50.3 151.8%  
Dividend payout %9.90-   
Avg Mkt Cap Rs m112,25946,035 243.9%   
No. of employees `00035.524.1 147.0%   
Total wages & salary Rs m37,68121,484 175.4%   
Avg. income/employee Rs Th9,109.97,836.4 116.3%   
Avg. wages/employee Rs Th1,062.2890.1 119.3%   
Avg. net profit/employee Rs Th382.5-298.2 -128.3%   
INCOME DATA
Interest income Rs m323,157189,148 170.8%  
Other income Rs m393,44320,883 1,884.0%   
Interest expense Rs m238,940129,851 184.0%   
Net interest income Rs m84,21659,297 142.0%  
Operating expense Rs m67,15938,598 174.0%   
Gross profit Rs m17,05720,700 82.4%  
Gross profit margin %5.310.9 48.2%  
Provisions/contingencies Rs m38,68252,552 73.6%   
Profit before tax Rs m17,769-10,969 -162.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m037 0.0%   
Tax Rs m4,291-3,734 -114.9%   
Profit after tax Rs m13,569-7,198 -188.5%  
Net profit margin %4.2-3.8 -110.3%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,523,721 176.0%   
Deposits Rs m3,441,1752,006,244 171.5%  
Credit/Deposit ratio x78.075.9 102.6%  
Yield on advances %8.89.5 92.9%   
Cost of deposits %6.46.1 104.7%   
Net Interest Margin %2.22.6 83.5%  
Net fixed assets Rs m39,51932,664 121.0%   
Share capital Rs m6,8746,138 112.0%   
Free reserves Rs m200,76173,810 272.0%   
Net worth Rs m230,481143,514 160.6%   
Borrowings Rs m306,366148,144 206.8%   
Investments Rs m905,732561,602 161.3%   
Total assets Rs m4,073,6462,364,602 172.3%  
Debt/equity ratio x16.315.0 108.3%   
Return on assets %0.3-0.3 -109.4%  
Return on equity %5.9-5.0 -117.4%  
Capital adequacy ratio %11.110.7 103.8%  
Net NPAs %5.36.8 77.7%  
CASH FLOW
From Operations Rs m82,74118,876 438.4%  
From Investments Rs m-8,718-1,691 515.7%  
From Financial Activity Rs m-3,88610,188 -38.1%  
Net Cashflow Rs m70,13827,373 256.2%  

Share Holding

Indian Promoters % 60.1 58.9 102.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 17.9 92.7%  
FIIs % 8.5 8.1 104.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 15.1 98.0%  
Shareholders   235,817 216,693 108.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   DHANLAXMI BANK  BANK OF INDIA  FEDERAL BANK  AXIS BANK  ICICI BANK  

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



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Aug 17, 2017 (Close)

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