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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 -6.3 -11.1 - View Chart
P/BV x 0.3 0.2 132.5% View Chart
Dividend Yield % 1.6 0.0 -  

Financials

 UNION BANK   ANDHRA BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
ANDHRA BANK
Mar-17
UNION BANK/
ANDHRA BANK
5-Yr Chart
Click to enlarge
High Rs22365 345.0%   
Low Rs10445 232.4%   
Income per share (Unadj.) Rs470.1267.5 175.8%  
Earnings per share (Unadj.) Rs19.73.0 649.2%  
Cash flow per share (Unadj.) Rs67.422.9 294.3%  
Dividends per share (Unadj.) Rs1.950-  
Avg Dividend yield %1.20-  
Book value per share (Unadj.) Rs335.3167.8 199.8%  
Shares outstanding (eoy) m687.44681.16 100.9%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.2 170.0%   
Avg P/E ratio x8.318.0 46.0%  
Avg P/CF ratio x2.11.1 198.8%  
Avg Price/Bookvalue ratio x0.50.3 149.5%  
Dividend payout %9.90-   
Avg Mkt Cap Rs m112,25937,225 301.6%   
No. of employees `00035.519.4 183.0%   
Total wages & salary Rs m37,68121,365 176.4%   
Avg. income/employee Rs Th9,109.99,400.6 96.9%   
Avg. wages/employee Rs Th1,062.21,102.4 96.4%   
Avg. net profit/employee Rs Th382.5106.9 357.9%   
INCOME DATA
Interest income Rs m323,157182,183 177.4%  
Other income Rs m393,44330,856 1,275.1%   
Interest expense Rs m238,940124,960 191.2%   
Net interest income Rs m84,21657,223 147.2%  
Operating expense Rs m67,15944,046 152.5%   
Gross profit Rs m17,05713,177 129.4%  
Gross profit margin %5.37.2 73.0%  
Provisions/contingencies Rs m38,68232,366 119.5%   
Profit before tax Rs m17,7693,921 453.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2911,850 231.9%   
Profit after tax Rs m13,5692,071 655.2%  
Net profit margin %4.21.1 369.4%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,368,709 196.0%   
Deposits Rs m3,441,1751,954,759 176.0%  
Credit/Deposit ratio x78.070.0 111.3%  
Yield on advances %8.89.9 88.9%   
Cost of deposits %6.46.0 107.3%   
Net Interest Margin %2.22.6 82.4%  
Net fixed assets Rs m39,51915,427 256.2%   
Share capital Rs m6,8746,812 100.9%   
Free reserves Rs m200,76150,355 398.7%   
Net worth Rs m230,481114,292 201.7%   
Borrowings Rs m306,36688,669 345.5%   
Investments Rs m905,732623,890 145.2%   
Total assets Rs m4,073,6462,254,463 180.7%  
Debt/equity ratio x16.317.9 90.9%   
Return on assets %0.30.1 362.6%  
Return on equity %5.91.8 324.9%  
Capital adequacy ratio %11.112.4 90.0%  
Net NPAs %5.37.6 69.4%  
CASH FLOW
From Operations Rs m82,741106,694 77.6%  
From Investments Rs m-8,718-1,587 549.4%  
From Financial Activity Rs m-3,886-17,004 22.9%  
Net Cashflow Rs m70,13888,103 79.6%  

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:   PUNJAB & SIND BANK  ALLAHABAD BANK  CITY UNION BANK  KARUR VYSYA BANK  VIJAYA BANK  

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



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Feb 16, 2018 (Close)

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