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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 -1.4 -12.7 - View Chart
P/BV x 0.2 0.6 36.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   BANK OF BARODA
EQUITY SHARE DATA
    UNION BANK
Mar-18
BANK OF BARODA
Mar-18
UNION BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs205207 99.2%   
Low Rs86128 67.1%   
Income per share (Unadj.) Rs282.0198.7 141.9%  
Earnings per share (Unadj.) Rs-44.6-8.1 547.9%  
Cash flow per share (Unadj.) Rs-115.2-28.5 403.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs216.1202.1 106.9%  
Shares outstanding (eoy) m1,168.572,317.83 50.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.8 61.2%   
Avg P/E ratio x-3.3-20.6 15.9%  
Avg P/CF ratio x1.92.8 68.1%  
Avg Price/Bookvalue ratio x0.70.8 81.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m170,027388,005 43.8%   
No. of employees `00037.655.7 67.5%   
Total wages & salary Rs m33,32249,016 68.0%   
Avg. income/employee Rs Th8,766.78,274.3 106.0%   
Avg. wages/employee Rs Th886.5880.6 100.7%   
Avg. net profit/employee Rs Th-1,386.8-339.0 409.0%   
INCOME DATA
Interest income Rs m329,516460,564 71.5%  
Other income Rs m54,62179,922 68.3%   
Interest expense Rs m234,709291,605 80.5%   
Net interest income Rs m94,807168,959 56.1%  
Operating expense Rs m73,508113,266 64.9%   
Gross profit Rs m21,29855,693 38.2%  
Gross profit margin %6.512.1 53.5%  
Provisions/contingencies Rs m142,063158,609 89.6%   
Profit before tax Rs m-66,062-20,294 325.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-513 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-13,938-1,936 719.8%   
Profit after tax Rs m-52,125-18,871 276.2%  
Net profit margin %-15.8-4.1 386.1%  
BALANCE SHEET DATA
Advances Rs m2,905,7154,379,413 66.3%   
Deposits Rs m4,102,8846,074,514 67.5%  
Credit/Deposit ratio x70.872.1 98.2%  
Yield on advances %7.96.9 114.4%   
Cost of deposits %5.34.4 118.9%   
Net Interest Margin %2.02.4 83.6%  
Net fixed assets Rs m38,46155,323 69.5%   
Share capital Rs m11,6865,304 220.3%   
Free reserves Rs m228,925317,378 72.1%   
Net worth Rs m252,518468,388 53.9%   
Borrowings Rs m456,804648,598 70.4%   
Investments Rs m1,255,1071,586,777 79.1%   
Total assets Rs m4,911,4647,478,049 65.7%  
Debt/equity ratio x18.114.4 125.8%   
Return on assets %-1.1-0.3 420.6%  
Return on equity %-20.6-4.0 512.3%  
Capital adequacy ratio %11.512.1 94.8%  
Net NPAs %8.45.5 153.4%  
CASH FLOW
From Operations Rs m60,893-596,917 -10.2%  
From Investments Rs m-3,068-4,136 74.2%  
From Financial Activity Rs m107,91934,131 316.2%  
Net Cashflow Rs m165,744-566,923 -29.2%  

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:   PUNJAB & SIND BANK  ALLAHABAD BANK  CITY UNION BANK  UNITED BANK OF INDIA  ANDHRA BANK  

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



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UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 109.1% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, UNION BANK has posted a net profit of Rs 1 bn (up 109.1% YoY). Sales on the other hand came in at Rs 85 bn (up 3.8% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

BANK OF BARODA Announces Quarterly Results (2QFY19); Net Profit Up 19.7% (Quarterly Result Update)

Nov 6, 2018 | Updated on Nov 6, 2018

For the quarter ended September 2018, BANK OF BARODA has posted a net profit of Rs 4 bn (up 19.7% YoY). Sales on the other hand came in at Rs 121 bn (up 12.3% YoY). Read on for a complete analysis of BANK OF BARODA's quarterly results.

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