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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 -6.3 -12.3 - View Chart
P/BV x 0.3 0.3 124.6% View Chart
Dividend Yield % 1.6 0.0 -  

Financials

 UNION BANK   BANK OF INDIA
EQUITY SHARE DATA
    UNION BANK
Mar-16
BANK OF INDIA
Mar-17
UNION BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs223142 156.3%   
Low Rs10478 132.8%   
Income per share (Unadj.) Rs470.1374.9 125.4%  
Earnings per share (Unadj.) Rs19.71.6 1,250.0%  
Cash flow per share (Unadj.) Rs67.4-37.1 -181.9%  
Dividends per share (Unadj.) Rs1.950-  
Avg Dividend yield %1.20-  
Book value per share (Unadj.) Rs335.3302.2 110.9%  
Shares outstanding (eoy) m687.441,055.87 65.1%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.3 118.0%   
Avg P/E ratio x8.369.9 11.8%  
Avg P/CF ratio x2.10.9 228.6%  
Avg Price/Bookvalue ratio x0.50.4 133.3%  
Dividend payout %9.90-   
Avg Mkt Cap Rs m112,259116,568 96.3%   
No. of employees `00035.5NA-   
Total wages & salary Rs m37,68154,491 69.2%   
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 m323,157395,852 81.6%  
Other income Rs m393,44368,195 576.9%   
Interest expense Rs m238,940276,058 86.6%   
Net interest income Rs m84,216119,795 70.3%  
Operating expense Rs m67,15989,750 74.8%   
Gross profit Rs m17,05730,045 56.8%  
Gross profit margin %5.37.6 69.5%  
Provisions/contingencies Rs m38,682122,361 31.6%   
Profit before tax Rs m17,769-6,731 -264.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90214 42.2%   
Prior Period Items Rs m00-   
Tax Rs m4,291-8,184 -52.4%   
Profit after tax Rs m13,5691,667 813.9%  
Net profit margin %4.20.4 996.9%  
BALANCE SHEET DATA
Advances Rs m2,682,4963,683,288 72.8%   
Deposits Rs m3,441,1755,423,521 63.4%  
Credit/Deposit ratio x78.067.9 114.8%  
Yield on advances %8.87.4 118.7%   
Cost of deposits %6.44.5 141.6%   
Net Interest Margin %2.22.0 107.8%  
Net fixed assets Rs m39,51985,458 46.2%   
Share capital Rs m6,87410,554 65.1%   
Free reserves Rs m200,761211,157 95.1%   
Net worth Rs m230,481319,073 72.2%   
Borrowings Rs m306,366394,914 77.6%   
Investments Rs m905,7321,307,513 69.3%   
Total assets Rs m4,073,6466,320,260 64.5%  
Debt/equity ratio x16.318.2 89.2%   
Return on assets %0.30 1,262.7%  
Return on equity %5.90.5 1,126.7%  
Capital adequacy ratio %11.10-  
Net NPAs %5.37.2 73.2%  
CASH FLOW
From Operations Rs m82,741-66,241 -124.9%  
From Investments Rs m-8,718-3,711 234.9%  
From Financial Activity Rs m-3,88639,551 -9.8%  
Net Cashflow Rs m70,138-30,400 -230.7%  

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:   YES BANK  KARUR VYSYA BANK  ANDHRA BANK  SBI  DCB BANK  

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



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Feb 16, 2018 (Close)

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