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Compare Union Bank with Andhra Bank - Equitymaster
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UNION BANK vs ANDHRA 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

ANDHRA BANK 
   Change

Established in 1923, Andhra Bank had 1.9% share of the total non-food credit and 1.8% share of the total deposits in the banking sector in FY12. The bank has national presence through 1,712 branches and around 1,056 ATMs, with an employee base of 15,... More

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Current Valuations

    UNION BANK ANDHRA BANK UNION BANK/
ANDHRA BANK
 
P/E (TTM) x 15.7 16.2 96.8% View Chart
P/BV x 0.4 0.3 131.4% View Chart
Dividend Yield % 1.5 1.0 149.3%  

Financials

 UNION BANK   ANDHRA BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
ANDHRA BANK
Mar-16
UNION BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs22388 254.3%   
Low Rs10442 249.0%   
Income per share (Unadj.) Rs470.1258.9 181.6%  
Earnings per share (Unadj.) Rs19.77.9 249.0%  
Cash flow per share (Unadj.) Rs67.414.3 471.6%  
Dividends per share (Unadj.) Rs1.950.50 390.0%  
Avg Dividend yield %1.20.8 154.4%  
Book value per share (Unadj.) Rs335.3161.4 207.7%  
Shares outstanding (eoy) m687.44681.16 100.9%   
Bonus/Rights/Conversions PIOI-  
Avg Price / Income ratio x0.30.2 139.1%   
Avg P/E ratio x8.38.2 101.4%  
Avg P/CF ratio x2.11.3 170.6%  
Avg Price/Bookvalue ratio x0.50.4 121.6%  
Dividend payout %9.96.3 156.6%   
Avg Mkt Cap Rs m112,25944,037 254.9%   
No. of employees `00035.518.7 190.1%   
Total wages & salary Rs m37,68117,679 213.1%   
Avg. income/employee Rs Th9,109.99,452.6 96.4%   
Avg. wages/employee Rs Th1,062.2947.6 112.1%   
Avg. net profit/employee Rs Th382.5289.4 132.2%   
INCOME DATA
Interest income Rs m323,157176,347 183.3%  
Other income Rs m393,44315,645 2,514.9%   
Interest expense Rs m238,940123,137 194.0%   
Net interest income Rs m84,21653,210 158.3%  
Operating expense Rs m67,15929,254 229.6%   
Gross profit Rs m17,05723,955 71.2%  
Gross profit margin %5.313.6 38.9%  
Provisions/contingencies Rs m38,68229,560 130.9%   
Profit before tax Rs m17,76910,040 177.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2914,642 92.4%   
Profit after tax Rs m13,5695,398 251.3%  
Net profit margin %4.23.1 137.2%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,307,879 205.1%   
Deposits Rs m3,441,1751,743,024 197.4%  
Credit/Deposit ratio x78.075.0 103.9%  
Yield on advances %8.810.3 85.7%   
Cost of deposits %6.46.5 98.0%   
Net Interest Margin %2.22.7 78.9%  
Net fixed assets Rs m39,51913,684 288.8%   
Share capital Rs m6,8746,812 100.9%   
Free reserves Rs m200,76150,615 396.6%   
Net worth Rs m230,481109,944 209.6%   
Borrowings Rs m306,36697,156 315.3%   
Investments Rs m905,732538,642 168.2%   
Total assets Rs m4,073,6461,999,618 203.7%  
Debt/equity ratio x16.316.7 97.1%   
Return on assets %0.30.3 123.4%  
Return on equity %5.94.9 119.9%  
Capital adequacy ratio %11.111.6 96.2%  
Net NPAs %5.34.6 113.9%  
CASH FLOW
From Operations Rs m82,74177,096 107.3%  
From Investments Rs m-8,718-2,707 322.0%  
From Financial Activity Rs m-3,886-61,303 6.3%  
Net Cashflow Rs m70,13813,086 536.0%  

Share Holding

Indian Promoters % 60.1 60.1 100.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 10.9 152.3%  
FIIs % 8.5 11.5 73.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 17.4 85.1%  
Shareholders   235,817 222,746 105.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   ICICI BANK  DENA BANK  ORIENTAL BANK  J&K BANK  BANK OF BARODA  

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



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