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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 15.6 19.4 80.7% View Chart
P/BV x 0.4 3.1 11.9% View Chart
Dividend Yield % 1.5 0.8 192.2%  

Financials

 UNION BANK   CITY UNION BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
CITY UNION BANK
Mar-16
UNION BANK/
CITY UNION BANK
5-Yr Chart
Click to enlarge
High Rs22398 227.0%   
Low Rs10477 135.4%   
Income per share (Unadj.) Rs470.149.2 955.1%  
Earnings per share (Unadj.) Rs19.77.4 265.5%  
Cash flow per share (Unadj.) Rs67.415.5 433.6%  
Dividends per share (Unadj.) Rs1.951.20 162.5%  
Avg Dividend yield %1.21.4 87.0%  
Book value per share (Unadj.) Rs335.351.0 657.1%  
Shares outstanding (eoy) m687.44598.19 114.9%   
Bonus/Rights/Conversions PIESOS-  
Avg Price / Income ratio x0.31.8 19.6%   
Avg P/E ratio x8.311.8 70.3%  
Avg P/CF ratio x2.17.7 27.7%  
Avg Price/Bookvalue ratio x0.51.7 28.4%  
Dividend payout %9.916.1 61.2%   
Avg Mkt Cap Rs m112,25952,312 214.6%   
No. of employees `00035.54.5 785.3%   
Total wages & salary Rs m37,6812,132 1,767.6%   
Avg. income/employee Rs Th9,109.96,518.1 139.8%   
Avg. wages/employee Rs Th1,062.2471.9 225.1%   
Avg. net profit/employee Rs Th382.5984.5 38.9%   
INCOME DATA
Interest income Rs m323,15729,442 1,097.6%  
Other income Rs m393,4434,100 9,596.6%   
Interest expense Rs m238,94019,632 1,217.1%   
Net interest income Rs m84,2169,810 858.4%  
Operating expense Rs m67,1595,577 1,204.2%   
Gross profit Rs m17,0574,233 402.9%  
Gross profit margin %5.314.4 36.7%  
Provisions/contingencies Rs m38,6822,306 1,677.5%   
Profit before tax Rs m17,7696,027 294.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2911,580 271.6%   
Profit after tax Rs m13,5694,447 305.1%  
Net profit margin %4.215.1 27.8%  
BALANCE SHEET DATA
Advances Rs m2,682,496210,569 1,273.9%   
Deposits Rs m3,441,175271,581 1,267.1%  
Credit/Deposit ratio x78.077.5 100.5%  
Yield on advances %8.811.2 78.5%   
Cost of deposits %6.47.1 90.6%   
Net Interest Margin %2.23.3 66.3%  
Net fixed assets Rs m39,5192,176 1,816.4%   
Share capital Rs m6,874598 1,149.2%   
Free reserves Rs m200,76119,301 1,040.1%   
Net worth Rs m230,48130,520 755.2%   
Borrowings Rs m306,3661,126 27,220.4%   
Investments Rs m905,73263,245 1,432.1%   
Total assets Rs m4,073,646312,520 1,303.5%  
Debt/equity ratio x16.38.9 182.0%   
Return on assets %0.31.4 23.4%  
Return on equity %5.914.6 40.4%  
Capital adequacy ratio %11.115.6 71.5%  
Net NPAs %5.31.5 343.1%  
CASH FLOW
From Operations Rs m82,7411,985 4,169.2%  
From Investments Rs m-8,718-600 1,453.2%  
From Financial Activity Rs m-3,886-752 516.9%  
Net Cashflow Rs m70,138633 11,080.3%  

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:   ALLAHABAD BANK  VIJAYA BANK  DHANLAXMI BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  

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



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