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Compare Union Bank with Bank of Baroda - Equitymaster
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UNION BANK vs BANK OF BARODA - 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

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    UNION BANK BANK OF BARODA UNION BANK/
BANK OF BARODA
 
P/E (TTM) x -7.4 32.7 - View Chart
P/BV x 0.4 0.9 43.9% View Chart
Dividend Yield % 1.4 0.7 190.8%  

Financials

 UNION BANK   BANK OF BARODA
EQUITY SHARE DATA
    UNION BANK
Mar-16
BANK OF BARODA
Mar-17
UNION BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs223192 116.1%   
Low Rs104128 81.1%   
Income per share (Unadj.) Rs470.1191.9 245.0%  
Earnings per share (Unadj.) Rs19.77.8 252.1%  
Cash flow per share (Unadj.) Rs67.417.1 393.4%  
Dividends per share (Unadj.) Rs1.951.20 162.5%  
Avg Dividend yield %1.20.7 159.2%  
Book value per share (Unadj.) Rs335.3185.8 180.4%  
Shares outstanding (eoy) m687.442,317.83 29.7%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.8 41.7%   
Avg P/E ratio x8.320.4 40.5%  
Avg P/CF ratio x2.13.3 65.2%  
Avg Price/Bookvalue ratio x0.50.9 56.6%  
Dividend payout %9.915.3 64.5%   
Avg Mkt Cap Rs m112,259370,911 30.3%   
No. of employees `00035.552.4 67.7%   
Total wages & salary Rs m37,68148,887 77.1%   
Avg. income/employee Rs Th9,109.98,484.1 107.4%   
Avg. wages/employee Rs Th1,062.2932.6 113.9%   
Avg. net profit/employee Rs Th382.5346.2 110.5%   
INCOME DATA
Interest income Rs m323,157444,735 72.7%  
Other income Rs m393,44379,368 495.7%   
Interest expense Rs m238,940295,957 80.7%   
Net interest income Rs m84,216148,777 56.6%  
Operating expense Rs m67,159103,498 64.9%   
Gross profit Rs m17,05745,279 37.7%  
Gross profit margin %5.310.2 51.8%  
Provisions/contingencies Rs m38,68294,404 41.0%   
Profit before tax Rs m17,76931,019 57.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90-400 -22.6%   
Prior Period Items Rs m00-   
Tax Rs m4,29112,469 34.4%   
Profit after tax Rs m13,56918,150 74.8%  
Net profit margin %4.24.1 102.9%  
BALANCE SHEET DATA
Advances Rs m2,682,4963,922,623 68.4%   
Deposits Rs m3,441,1756,172,569 55.7%  
Credit/Deposit ratio x78.063.5 122.7%  
Yield on advances %8.87.3 121.6%   
Cost of deposits %6.44.5 143.3%   
Net Interest Margin %2.22.2 100.1%  
Net fixed assets Rs m39,51959,297 66.6%   
Share capital Rs m6,8744,621 148.8%   
Free reserves Rs m200,761212,918 94.3%   
Net worth Rs m230,481430,676 53.5%   
Borrowings Rs m306,366312,420 98.1%   
Investments Rs m905,7321,407,164 64.4%   
Total assets Rs m4,073,6467,192,205 56.6%  
Debt/equity ratio x16.315.1 108.0%   
Return on assets %0.30.3 132.0%  
Return on equity %5.94.2 139.7%  
Capital adequacy ratio %11.112.2 91.0%  
Net NPAs %5.34.7 111.2%  
CASH FLOW
From Operations Rs m82,741178,648 46.3%  
From Investments Rs m-8,718-5,506 158.3%  
From Financial Activity Rs m-3,886-1,983 196.0%  
Net Cashflow Rs m70,138171,159 41.0%  

Share Holding

Indian Promoters % 60.1 56.3 106.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 16.6 100.1%  
FIIs % 8.5 15.6 54.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 11.5 128.2%  
Shareholders   235,817 180,376 130.7%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   BANK OF MAHARASHTRA  ANDHRA BANK  J&K BANK  DCB BANK  VIJAYA BANK  

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



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Jan 17, 2018 (Close)

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