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Compare Union Bank with Bank of India - Equitymaster
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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 15.6 -6.1 - View Chart
P/BV x 0.4 0.3 124.9% View Chart
Dividend Yield % 1.5 3.4 43.0%  

Financials

 UNION BANK   BANK OF INDIA
EQUITY SHARE DATA
    UNION BANK
Mar-16
BANK OF INDIA
Mar-16
UNION BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs223233 95.4%   
Low Rs10480 130.0%   
Income per share (Unadj.) Rs470.1515.5 91.2%  
Earnings per share (Unadj.) Rs19.7-33.8 -58.4%  
Cash flow per share (Unadj.) Rs67.4-112.8 -59.8%  
Dividends per share (Unadj.) Rs1.955.00 39.0%  
Avg Dividend yield %1.23.2 37.4%  
Book value per share (Unadj.) Rs335.3392.4 85.4%  
Shares outstanding (eoy) m687.44816.55 84.2%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.30.3 114.3%   
Avg P/E ratio x8.3-4.6 -178.5%  
Avg P/CF ratio x2.11.1 191.4%  
Avg Price/Bookvalue ratio x0.50.4 122.0%  
Dividend payout %9.9-14.8 -66.8%   
Avg Mkt Cap Rs m112,259127,913 87.8%   
No. of employees `00035.5NA-   
Total wages & salary Rs m37,68154,036 69.7%   
Avg. income/employee Rs Th9,109.9NM-  
Avg. wages/employee Rs Th1,062.2NM-  
Avg. net profit/employee Rs Th382.5N.A.-  
INCOME DATA
Interest income Rs m323,157420,928 76.8%  
Other income Rs m393,44336,716 1,071.6%   
Interest expense Rs m238,940305,453 78.2%   
Net interest income Rs m84,216115,475 72.9%  
Operating expense Rs m67,15994,250 71.3%   
Gross profit Rs m17,05721,225 80.4%  
Gross profit margin %5.35.0 104.7%  
Provisions/contingencies Rs m38,682141,517 27.3%   
Profit before tax Rs m17,769-45,533 -39.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90717 12.6%   
Prior Period Items Rs m00-   
Tax Rs m4,291-17,226 -24.9%   
Profit after tax Rs m13,569-27,590 -49.2%  
Net profit margin %4.2-6.6 -64.1%  
BALANCE SHEET DATA
Advances Rs m2,682,4963,613,019 74.2%   
Deposits Rs m3,441,1755,157,225 66.7%  
Credit/Deposit ratio x78.070.1 111.3%  
Yield on advances %8.88.5 104.3%   
Cost of deposits %6.45.3 122.1%   
Net Interest Margin %2.22.0 109.5%  
Net fixed assets Rs m39,51985,729 46.1%   
Share capital Rs m6,8748,173 84.1%   
Free reserves Rs m200,761194,186 103.4%   
Net worth Rs m230,481320,420 71.9%   
Borrowings Rs m306,366511,033 60.0%   
Investments Rs m905,7321,226,209 73.9%   
Total assets Rs m4,073,6466,166,292 66.1%  
Debt/equity ratio x16.317.7 91.9%   
Return on assets %0.3-0.4 -74.4%  
Return on equity %5.9-8.6 -68.4%  
Capital adequacy ratio %11.112.1 92.4%  
Net NPAs %5.37.8 67.4%  
CASH FLOW
From Operations Rs m82,741183,108 45.2%  
From Investments Rs m-8,718-6,087 143.2%  
From Financial Activity Rs m-3,88648,637 -8.0%  
Net Cashflow Rs m70,138225,658 31.1%  

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:   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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Aug 16, 2017 (Close)

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