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Compare Union Bank with Development Credit Bank - Equitymaster

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UNION BANK vs DCB 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

DCB BANK 
   Change

Development Credit Bank (DCB) is a small new generation private sector bank serving around 6 lakh customers with a network of more than 80 branches and 130 ATMs. Its branches are concentrated in western India with 65% branches located in Maharashtra,... More

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Current Valuations

    UNION BANK DCB BANK UNION BANK/
DCB BANK
 
P/E (TTM) x -1.1 20.3 - View Chart
P/BV x 0.2 1.8 12.9% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 UNION BANK   DCB BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
DCB BANK
Mar-18
UNION BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs205213 96.2%   
Low Rs86155 55.5%   
Income per share (Unadj.) Rs282.078.3 360.0%  
Earnings per share (Unadj.) Rs-44.68.0 -560.1%  
Cash flow per share (Unadj.) Rs-115.233.4 -345.2%  
Dividends per share (Unadj.) Rs00.75 0.0%  
Avg Dividend yield %00.4 0.0%  
Book value per share (Unadj.) Rs216.191.1 237.2%  
Shares outstanding (eoy) m1,168.57308.08 379.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.52.3 22.0%   
Avg P/E ratio x-3.323.1 -14.1%  
Avg P/CF ratio x1.914.8 12.8%  
Avg Price/Bookvalue ratio x0.72.0 33.3%  
Dividend payout %09.4 0.0%   
Avg Mkt Cap Rs m170,02756,671 300.0%   
No. of employees `00037.65.8 649.2%   
Total wages & salary Rs m33,3223,812 874.1%   
Avg. income/employee Rs Th8,766.74,167.5 210.4%   
Avg. wages/employee Rs Th886.5658.4 134.6%   
Avg. net profit/employee Rs Th-1,386.8423.7 -327.3%   
INCOME DATA
Interest income Rs m329,51624,130 1,365.6%  
Other income Rs m54,6213,103 1,760.4%   
Interest expense Rs m234,70914,176 1,655.7%   
Net interest income Rs m94,8079,954 952.4%  
Operating expense Rs m73,5087,807 941.5%   
Gross profit Rs m21,2982,147 992.0%  
Gross profit margin %6.58.9 72.6%  
Provisions/contingencies Rs m142,0631,388 10,235.1%   
Profit before tax Rs m-66,0623,862 -1,710.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,9381,408 -989.7%   
Profit after tax Rs m-52,1252,453 -2,124.6%  
Net profit margin %-15.810.2 -155.6%  
BALANCE SHEET DATA
Advances Rs m2,905,715203,367 1,428.8%   
Deposits Rs m4,102,884240,069 1,709.0%  
Credit/Deposit ratio x70.884.7 83.6%  
Yield on advances %7.99.5 82.4%   
Cost of deposits %5.35.4 98.0%   
Net Interest Margin %2.03.4 59.2%  
Net fixed assets Rs m38,4614,940 778.5%   
Share capital Rs m11,6863,081 379.3%   
Free reserves Rs m228,92524,983 916.3%   
Net worth Rs m252,51828,064 899.8%   
Borrowings Rs m456,80419,267 2,370.9%   
Investments Rs m1,255,10762,190 2,018.2%   
Total assets Rs m4,911,464302,221 1,625.1%  
Debt/equity ratio x18.19.2 195.4%   
Return on assets %-1.10.8 -130.7%  
Return on equity %-20.68.7 -236.1%  
Capital adequacy ratio %11.516.5 69.8%  
Net NPAs %8.40.7 1,169.4%  
CASH FLOW
From Operations Rs m60,8932,301 2,646.9%  
From Investments Rs m-3,068-592 518.1%  
From Financial Activity Rs m107,91910,087 1,069.9%  
Net Cashflow Rs m165,74411,795 1,405.2%  

Share Holding

Indian Promoters % 60.1 0.9 6,677.8%  
Foreign collaborators % 0.0 15.5 -  
Indian inst/Mut Fund % 16.6 23.2 71.6%  
FIIs % 8.5 15.0 56.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 45.5 32.5%  
Shareholders   235,817 184,073 128.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   SOUTH IND.BANK  J&K BANK  ING VYSYA BANK  ANDHRA BANK  INDUSIND BANK  

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



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Jun 18, 2018 (Close)

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