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UNION BANK vs BANK OF INDIA - 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 INDIA 
   Change

With one of the most geographically diversified advance portfolio, Bank of India (BOI) is amongst the largest public sector banking entity in the country (in terms of asset size) with 5.8% share of the total non-food credit disbursals at the end of F... More

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Current Valuations

    UNION BANK BANK OF INDIA UNION BANK/
BANK OF INDIA
 
P/E (TTM) x -1.2 -0.8 - View Chart
P/BV x 0.1 0.1 131.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   BANK OF INDIA
EQUITY SHARE DATA
    UNION BANK
Mar-19
BANK OF INDIA
Mar-19
UNION BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs106119 89.1%   
Low Rs6173 83.9%   
Income per share (Unadj.) Rs194.6148.5 131.0%  
Earnings per share (Unadj.) Rs-16.63.3 -504.8%  
Cash flow per share (Unadj.) Rs-42.9-29.9 143.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs151.6155.8 97.3%  
Shares outstanding (eoy) m1,763.022,760.47 63.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.6 66.5%   
Avg P/E ratio x-5.029.2 -17.3%  
Avg P/CF ratio x1.71.5 115.0%  
Avg Price/Bookvalue ratio x0.60.6 89.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m147,388264,867 55.6%   
No. of employees `00037.3NA-   
Total wages & salary Rs m32,37260,210 53.8%   
Avg. income/employee Rs Th9,208.8NM-  
Avg. wages/employee Rs Th868.8NM-  
Avg. net profit/employee Rs Th-784.3N.A.-  
INCOME DATA
Interest income Rs m343,137410,048 83.7%  
Other income Rs m50,41752,640 95.8%   
Interest expense Rs m238,961272,071 87.8%   
Net interest income Rs m104,176137,977 75.5%  
Operating expense Rs m78,562108,670 72.3%   
Gross profit Rs m25,61429,307 87.4%  
Gross profit margin %7.57.1 104.4%  
Provisions/contingencies Rs m115,157168,586 68.3%   
Profit before tax Rs m-39,016-22,596 172.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-5 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-9,792-31,665 30.9%   
Profit after tax Rs m-29,2249,065 -322.4%  
Net profit margin %-8.52.2 -385.3%  
BALANCE SHEET DATA
Advances Rs m2,987,8013,429,663 87.1%   
Deposits Rs m4,175,0485,225,550 79.9%  
Credit/Deposit ratio x71.665.6 109.0%  
Yield on advances %8.07.9 100.5%   
Cost of deposits %5.34.4 120.3%   
Net Interest Margin %2.22.3 94.5%  
Net fixed assets Rs m37,74589,991 41.9%   
Share capital Rs m17,63027,600 63.9%   
Free reserves Rs m249,686402,539 62.0%   
Net worth Rs m267,317430,140 62.1%   
Borrowings Rs m432,756442,652 97.8%   
Investments Rs m1,283,9121,509,050 85.1%   
Total assets Rs m4,985,8056,308,839 79.0%  
Debt/equity ratio x17.213.2 130.8%   
Return on assets %-0.60.1 -407.9%  
Return on equity %-10.92.1 -518.8%  
Capital adequacy ratio %11.814.2 83.0%  
Net NPAs %6.95.6 122.1%  
CASH FLOW
From Operations Rs m-77,784-92,181 84.4%  
From Investments Rs m-2,971711 -418.1%  
From Financial Activity Rs m17,58279,828 22.0%  
Net Cashflow Rs m-63,173-11,642 542.6%  

Share Holding

Indian Promoters % 60.1 66.7 90.1%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 15.5 107.1%  
FIIs % 8.5 10.2 83.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 7.7 192.2%  
Shareholders   235,817 240,000 98.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   KARNATAKA BANK  ALLAHABAD BANK  AXIS BANK  UNITED BANK OF INDIA  PNB  

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



Today's Market

Sensex Opens Flat; Telecom and Automobiles Stocks Lose(09:30 am)

Asian share markets are lower today as Chinese and Hong Kong shares fall. The Shanghai Composite is off 0.1% while the Hang Seng is down 0.1%.

Related Views on News

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 155.1% (Quarterly Result Update)

Jul 31, 2019 | Updated on Jul 31, 2019

For the quarter ended June 2019, BANK OF INDIA has posted a net profit of Rs 2 bn (up 155.1% YoY). Sales on the other hand came in at Rs 103 bn (up 3.2% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.

BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 106.3% (Quarterly Result Update)

May 21, 2019 | Updated on May 21, 2019

For the quarter ended March 2019, BANK OF INDIA has posted a net profit of Rs 3 bn (up 106.3% YoY). Sales on the other hand came in at Rs 108 bn (up 15.7% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 102.4% (Quarterly Result Update)

Jan 30, 2019 | Updated on Jan 30, 2019

For the quarter ended December 2018, BANK OF INDIA has posted a net profit of Rs 47 bn (down 102.4% YoY). Sales on the other hand came in at Rs 102 bn (up 9.0% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.

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