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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 -1.1 38.7 - View Chart
P/BV x 0.2 0.7 31.7% View Chart
Dividend Yield % 0.0 0.9 -  

Financials

 UNION BANK   BANK OF BARODA
EQUITY SHARE DATA
    UNION BANK
Mar-17
BANK OF BARODA
Mar-17
UNION BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs173192 90.1%   
Low Rs105128 81.4%   
Income per share (Unadj.) Rs477.4191.9 248.8%  
Earnings per share (Unadj.) Rs8.37.8 106.4%  
Cash flow per share (Unadj.) Rs4.317.1 25.1%  
Dividends per share (Unadj.) Rs01.20 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs342.9185.8 184.5%  
Shares outstanding (eoy) m687.442,317.83 29.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.30.8 34.8%   
Avg P/E ratio x16.620.4 81.4%  
Avg P/CF ratio x1.23.3 37.7%  
Avg Price/Bookvalue ratio x0.40.9 46.9%  
Dividend payout %015.3 0.0%   
Avg Mkt Cap Rs m95,279370,911 25.7%   
No. of employees `00036.952.4 70.3%   
Total wages & salary Rs m35,09448,887 71.8%   
Avg. income/employee Rs Th8,899.08,484.1 104.9%   
Avg. wages/employee Rs Th951.7932.6 102.0%   
Avg. net profit/employee Rs Th155.3346.2 44.8%   
INCOME DATA
Interest income Rs m328,170444,735 73.8%  
Other income Rs m54,30079,368 68.4%   
Interest expense Rs m237,763295,957 80.3%   
Net interest income Rs m90,407148,777 60.8%  
Operating expense Rs m70,213103,498 67.8%   
Gross profit Rs m20,19445,279 44.6%  
Gross profit margin %6.210.2 60.4%  
Provisions/contingencies Rs m70,90694,404 75.1%   
Profit before tax Rs m3,64731,019 11.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-400 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-2,08012,469 -16.7%   
Profit after tax Rs m5,72718,150 31.6%  
Net profit margin %1.74.1 42.8%  
BALANCE SHEET DATA
Advances Rs m2,879,4983,922,623 73.4%   
Deposits Rs m3,796,8736,172,569 61.5%  
Credit/Deposit ratio x75.863.5 119.3%  
Yield on advances %8.07.3 110.0%   
Cost of deposits %5.84.5 129.5%   
Net Interest Margin %2.12.2 96.1%  
Net fixed assets Rs m39,05459,297 65.9%   
Share capital Rs m6,8744,621 148.8%   
Free reserves Rs m207,141212,918 97.3%   
Net worth Rs m235,711430,676 54.7%   
Borrowings Rs m412,255312,420 132.0%   
Investments Rs m1,134,4131,407,164 80.6%   
Total assets Rs m4,556,6877,192,205 63.4%  
Debt/equity ratio x17.915.1 118.6%   
Return on assets %0.10.3 49.8%  
Return on equity %2.44.2 57.6%  
Capital adequacy ratio %12.912.2 105.5%  
Net NPAs %6.64.7 139.2%  
CASH FLOW
From Operations Rs m-356178,648 -0.2%  
From Investments Rs m-2,802-5,506 50.9%  
From Financial Activity Rs m36,049-1,983 -1,818.3%  
Net Cashflow Rs m32,891171,159 19.2%  

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:   ICICI BANK  ING VYSYA BANK  YES BANK  J&K BANK  DENA BANK  

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



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May 24, 2018 (Close)

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