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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 -0.6 -137.4 - View Chart
P/BV x 0.1 0.2 42.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   BANK OF BARODA
EQUITY SHARE DATA
    UNION BANK
Mar-19
BANK OF BARODA
Mar-20
UNION BANK/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs106144 73.7%   
Low Rs6147 130.6%   
Income per share (Unadj.) Rs194.6170.2 114.3%  
Earnings per share (Unadj.) Rs-16.62.0 -828.0%  
Cash flow per share (Unadj.) Rs-42.9-5.1 836.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs151.6164.2 92.3%  
Shares outstanding (eoy) m1,763.024,634.23 38.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.6 76.7%   
Avg P/E ratio x-5.047.6 -10.6%  
Avg P/CF ratio x1.72.0 87.9%  
Avg Price/Bookvalue ratio x0.60.6 95.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m147,388441,642 33.4%   
No. of employees `00037.384.3 44.2%   
Total wages & salary Rs m32,37292,792 34.9%   
Avg. income/employee Rs Th9,208.89,360.7 98.4%   
Avg. wages/employee Rs Th868.81,101.0 78.9%   
Avg. net profit/employee Rs Th-784.3110.1 -712.5%   
INCOME DATA
Interest income Rs m343,137788,947 43.5%  
Other income Rs m50,417121,913 41.4%   
Interest expense Rs m238,961500,399 47.8%   
Net interest income Rs m104,176288,548 36.1%  
Operating expense Rs m78,562205,763 38.2%   
Gross profit Rs m25,61482,785 30.9%  
Gross profit margin %7.510.5 71.1%  
Provisions/contingencies Rs m115,157217,038 53.1%   
Profit before tax Rs m-39,016-13,013 299.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0530 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-9,792-21,761 45.0%   
Profit after tax Rs m-29,2249,278 -315.0%  
Net profit margin %-8.51.2 -724.2%  
BALANCE SHEET DATA
Advances Rs m2,987,8017,065,397 42.3%   
Deposits Rs m4,175,0489,732,281 42.9%  
Credit/Deposit ratio x71.672.6 98.6%  
Yield on advances %8.07.9 101.7%   
Cost of deposits %5.34.6 114.8%   
Net Interest Margin %2.22.6 86.5%  
Net fixed assets Rs m37,74590,438 41.7%   
Share capital Rs m17,6309,254 190.5%   
Free reserves Rs m249,686751,789 33.2%   
Net worth Rs m267,317761,043 35.1%   
Borrowings Rs m432,756957,527 45.2%   
Investments Rs m1,283,9122,897,267 44.3%   
Total assets Rs m4,985,80511,999,421 41.6%  
Debt/equity ratio x17.214.0 122.7%   
Return on assets %-0.60.1 -758.1%  
Return on equity %-10.91.2 -896.8%  
Capital adequacy ratio %11.813.3 88.6%  
Net NPAs %6.93.1 218.8%  
CASH FLOW
From Operations Rs m-77,7849,295 -836.8%  
From Investments Rs m-2,9711,410 -210.7%  
From Financial Activity Rs m17,582145,897 12.1%  
Net Cashflow Rs m-63,173326,715 -19.3%  

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:   PNB  INDIAN OVERSEAS BANK  CORPORATION BANK  PUNJAB & SIND BANK  SYNDICATE BANK  

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



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Nov 27, 2020 (Close)

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