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Compare Union Bank with City Union Bank - Equitymaster

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UNION BANK vs CITY UNION BANK - 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

CITY UNION BANK 
   Change

Apart from a strong presence in Tamil Nadu, City Union Bank (CUB) has a network of 300 branches and 500 ATMs spanning most of west and southern India. The bank has a brilliant track-record of being profitable and paying dividend for the past 100 year... More

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Current Valuations

    UNION BANK CITY UNION BANK UNION BANK/
CITY UNION BANK
 
P/E (TTM) x -1.4 16.8 - View Chart
P/BV x 0.2 2.6 7.6% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNION BANK   CITY UNION BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
CITY UNION BANK
Mar-18
UNION BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs205209 98.2%   
Low Rs86145 59.3%   
Income per share (Unadj.) Rs282.051.2 550.9%  
Earnings per share (Unadj.) Rs-44.68.9 -500.9%  
Cash flow per share (Unadj.) Rs-115.217.0 -679.5%  
Dividends per share (Unadj.) Rs00.30 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs216.162.6 345.0%  
Shares outstanding (eoy) m1,168.57664.73 175.8%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.53.5 14.9%   
Avg P/E ratio x-3.319.9 -16.4%  
Avg P/CF ratio x1.911.6 16.2%  
Avg Price/Bookvalue ratio x0.72.8 23.8%  
Dividend payout %03.4 0.0%   
Avg Mkt Cap Rs m170,027117,591 144.6%   
No. of employees `00037.65.3 706.7%   
Total wages & salary Rs m33,3223,159 1,054.9%   
Avg. income/employee Rs Th8,766.76,396.7 137.1%   
Avg. wages/employee Rs Th886.5593.9 149.3%   
Avg. net profit/employee Rs Th-1,386.81,113.0 -124.6%   
INCOME DATA
Interest income Rs m329,51634,024 968.5%  
Other income Rs m54,6215,321 1,026.5%   
Interest expense Rs m234,70919,721 1,190.1%   
Net interest income Rs m94,80714,303 662.8%  
Operating expense Rs m73,5087,547 974.1%   
Gross profit Rs m21,2986,757 315.2%  
Gross profit margin %6.519.9 32.5%  
Provisions/contingencies Rs m142,0634,178 3,400.7%   
Profit before tax Rs m-66,0627,900 -836.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,9381,980 -703.9%   
Profit after tax Rs m-52,1255,920 -880.5%  
Net profit margin %-15.817.4 -90.9%  
BALANCE SHEET DATA
Advances Rs m2,905,715278,528 1,043.2%   
Deposits Rs m4,102,884328,526 1,248.9%  
Credit/Deposit ratio x70.884.8 83.5%  
Yield on advances %7.910.2 77.1%   
Cost of deposits %5.35.9 89.7%   
Net Interest Margin %2.03.7 54.6%  
Net fixed assets Rs m38,4612,231 1,723.7%   
Share capital Rs m11,686665 1,758.0%   
Free reserves Rs m228,92540,968 558.8%   
Net worth Rs m252,51841,632 606.5%   
Borrowings Rs m456,80417,359 2,631.5%   
Investments Rs m1,255,10778,791 1,593.0%   
Total assets Rs m4,911,464399,373 1,229.8%  
Debt/equity ratio x18.18.3 217.3%   
Return on assets %-1.11.5 -71.6%  
Return on equity %-20.614.2 -145.2%  
Capital adequacy ratio %11.516.2 70.9%  
Net NPAs %8.41.7 495.3%  
CASH FLOW
From Operations Rs m60,893-1,831 -3,325.6%  
From Investments Rs m-3,068-605 506.8%  
From Financial Activity Rs m107,91911 990,086.2%  
Net Cashflow Rs m165,744-2,425 -6,833.7%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 10.2 162.7%  
FIIs % 8.5 33.4 25.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 56.0 26.4%  
Shareholders   235,817 82,699 285.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   SYNDICATE BANK  INDUSIND BANK  ING VYSYA BANK  PNB  J&K BANK  

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



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UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 109.1% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, UNION BANK has posted a net profit of Rs 1 bn (up 109.1% YoY). Sales on the other hand came in at Rs 85 bn (up 3.8% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

CITY UNION BANK Announces Quarterly Results (2QFY19); Net Profit Up 16.0% (Quarterly Result Update)

Nov 5, 2018 | Updated on Nov 5, 2018

For the quarter ended September 2018, CITY UNION BANK has posted a net profit of Rs 2 bn (up 16.0% YoY). Sales on the other hand came in at Rs 9 bn (up 10.2% YoY). Read on for a complete analysis of CITY UNION BANK's quarterly results.

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Dec 14, 2018 03:35 PM

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