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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 -0.8 -0.9 - View Chart
P/BV x 0.2 0.1 119.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   BANK OF INDIA
EQUITY SHARE DATA
    UNION BANK
Mar-18
BANK OF INDIA
Mar-18
UNION BANK/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs205217 94.6%   
Low Rs8691 94.1%   
Income per share (Unadj.) Rs282.0219.7 128.4%  
Earnings per share (Unadj.) Rs-44.6-4.5 988.2%  
Cash flow per share (Unadj.) Rs-115.2-57.2 201.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs216.1210.7 102.5%  
Shares outstanding (eoy) m1,168.571,744.16 67.0%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.7 73.6%   
Avg P/E ratio x-3.3-34.1 9.6%  
Avg P/CF ratio x1.91.8 106.1%  
Avg Price/Bookvalue ratio x0.70.7 92.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m170,027268,775 63.3%   
No. of employees `00037.6NA-   
Total wages & salary Rs m33,32249,632 67.1%   
Avg. income/employee Rs Th8,766.7NM-  
Avg. wages/employee Rs Th886.5NM-  
Avg. net profit/employee Rs Th-1,386.8N.A.-  
INCOME DATA
Interest income Rs m329,516383,128 86.0%  
Other income Rs m54,62158,459 93.4%   
Interest expense Rs m234,709276,788 84.8%   
Net interest income Rs m94,807106,340 89.2%  
Operating expense Rs m73,50892,652 79.3%   
Gross profit Rs m21,29813,688 155.6%  
Gross profit margin %6.53.6 180.9%  
Provisions/contingencies Rs m142,063158,746 89.5%   
Profit before tax Rs m-66,062-33,947 194.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0204 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-13,938-25,870 53.9%   
Profit after tax Rs m-52,125-7,873 662.1%  
Net profit margin %-15.8-2.1 769.8%  
BALANCE SHEET DATA
Advances Rs m2,905,7153,432,889 84.6%   
Deposits Rs m4,102,8845,229,969 78.4%  
Credit/Deposit ratio x70.865.6 107.9%  
Yield on advances %7.97.4 106.8%   
Cost of deposits %5.34.7 113.1%   
Net Interest Margin %2.01.8 111.0%  
Net fixed assets Rs m38,46183,499 46.1%   
Share capital Rs m11,68617,437 67.0%   
Free reserves Rs m228,925310,409 73.7%   
Net worth Rs m252,518367,565 68.7%   
Borrowings Rs m456,804435,983 104.8%   
Investments Rs m1,255,1071,403,211 89.4%   
Total assets Rs m4,911,4646,151,843 79.8%  
Debt/equity ratio x18.115.4 117.1%   
Return on assets %-1.1-0.1 829.3%  
Return on equity %-20.6-2.1 963.7%  
Capital adequacy ratio %11.512.9 88.9%  
Net NPAs %8.48.3 101.9%  
CASH FLOW
From Operations Rs m60,893-73,660 -82.7%  
From Investments Rs m-3,068-2,599 118.0%  
From Financial Activity Rs m107,91971,854 150.2%  
Net Cashflow Rs m165,744-4,405 -3,762.8%  

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:   SYNDICATE BANK  CITY UNION BANK  DENA BANK  PNB  J&K BANK  

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



Related Views on News

UNION BANK Announces Quarterly Results (1QFY19); Net Profit Up 11.1% (Quarterly Result Update)

Aug 13, 2018 | Updated on Aug 13, 2018

For the quarter ended June 2018, UNION BANK has posted a net profit of Rs 1 bn (up 11.1% YoY). Sales on the other hand came in at Rs 87 bn (up 6.7% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

BANK OF INDIA Announces Quarterly Results (1QFY19); Net Profit Up 8.4% (Quarterly Result Update)

Aug 3, 2018 | Updated on Aug 3, 2018

For the quarter ended June 2018, BANK OF INDIA has posted a net profit of Rs 951 m (up 8.4% YoY). Sales on the other hand came in at Rs 100 bn (up 5.4% YoY). Read on for a complete analysis of BANK OF INDIA's quarterly results.

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Mar 12, 2018

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Feb 21, 2018

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