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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 -0.6 9.2 - View Chart
P/BV x 0.1 1.0 6.8% View Chart
Dividend Yield % 0.0 0.9 -  

Financials

 UNION BANK   DCB BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
DCB BANK
Mar-19
UNION BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs106209 50.7%   
Low Rs61140 44.0%   
Income per share (Unadj.) Rs194.698.3 198.1%  
Earnings per share (Unadj.) Rs-16.610.5 -157.7%  
Cash flow per share (Unadj.) Rs-42.939.4 -108.9%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.6 0.0%  
Book value per share (Unadj.) Rs151.6100.6 150.7%  
Shares outstanding (eoy) m1,763.02309.55 569.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.41.8 24.3%   
Avg P/E ratio x-5.016.6 -30.5%  
Avg P/CF ratio x1.711.6 14.8%  
Avg Price/Bookvalue ratio x0.61.7 31.9%  
Dividend payout %09.5 0.0%   
Avg Mkt Cap Rs m147,38853,862 273.6%   
No. of employees `00037.36.1 607.5%   
Total wages & salary Rs m32,3724,340 745.9%   
Avg. income/employee Rs Th9,208.84,958.4 185.7%   
Avg. wages/employee Rs Th868.8707.5 122.8%   
Avg. net profit/employee Rs Th-784.3530.4 -147.9%   
INCOME DATA
Interest income Rs m343,13730,415 1,128.2%  
Other income Rs m50,4173,502 1,439.8%   
Interest expense Rs m238,96118,922 1,262.9%   
Net interest income Rs m104,17611,493 906.4%  
Operating expense Rs m78,5628,529 921.2%   
Gross profit Rs m25,6142,964 864.1%  
Gross profit margin %7.59.7 76.6%  
Provisions/contingencies Rs m115,1571,401 8,222.0%   
Profit before tax Rs m-39,0165,065 -770.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-9,7921,812 -540.5%   
Profit after tax Rs m-29,2243,254 -898.2%  
Net profit margin %-8.510.7 -79.6%  
BALANCE SHEET DATA
Advances Rs m2,987,801235,680 1,267.7%   
Deposits Rs m4,175,048284,351 1,468.3%  
Credit/Deposit ratio x71.682.9 86.3%  
Yield on advances %8.010.4 76.9%   
Cost of deposits %5.36.0 88.1%   
Net Interest Margin %2.23.4 65.9%  
Net fixed assets Rs m37,7455,260 717.6%   
Share capital Rs m17,6303,096 569.5%   
Free reserves Rs m249,68628,049 890.2%   
Net worth Rs m267,31731,144 858.3%   
Borrowings Rs m432,75627,232 1,589.1%   
Investments Rs m1,283,91278,441 1,636.8%   
Total assets Rs m4,985,805357,918 1,393.0%  
Debt/equity ratio x17.210.0 172.3%   
Return on assets %-0.60.9 -64.5%  
Return on equity %-10.910.4 -104.6%  
Capital adequacy ratio %11.816.8 70.1%  
Net NPAs %6.90.7 1,053.8%  
CASH FLOW
From Operations Rs m-77,784-2,813 2,764.8%  
From Investments Rs m-2,971-764 388.8%  
From Financial Activity Rs m17,5827,792 225.7%  
Net Cashflow Rs m-63,1734,214 -1,499.2%  

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:   KARNATAKA BANK  CANARA BANK  AXIS BANK  BANDHAN BANK  PNB  

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



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