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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 -7.5 24.8 - View Chart
P/BV x 0.4 2.4 15.9% View Chart
Dividend Yield % 1.4 0.3 529.9%  

Financials

 UNION BANK   DCB BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
DCB BANK
Mar-17
UNION BANK/
DCB BANK
5-Yr Chart
Click to enlarge
High Rs223172 129.2%   
Low Rs10478 133.3%   
Income per share (Unadj.) Rs470.172.8 646.1%  
Earnings per share (Unadj.) Rs19.77.0 282.1%  
Cash flow per share (Unadj.) Rs67.428.9 233.6%  
Dividends per share (Unadj.) Rs1.950.50 390.0%  
Avg Dividend yield %1.20.4 298.9%  
Book value per share (Unadj.) Rs335.377.3 433.9%  
Shares outstanding (eoy) m687.44285.36 240.9%   
Bonus/Rights/Conversions PIOI-  
Avg Price / Income ratio x0.31.7 20.2%   
Avg P/E ratio x8.317.9 46.3%  
Avg P/CF ratio x2.111.5 18.7%  
Avg Price/Bookvalue ratio x0.51.6 30.1%  
Dividend payout %9.97.1 138.3%   
Avg Mkt Cap Rs m112,25935,713 314.3%   
No. of employees `00035.5NA-   
Total wages & salary Rs m37,6813,080 1,223.3%   
Avg. income/employee Rs Th9,109.9NM-  
Avg. wages/employee Rs Th1,062.2NM-  
Avg. net profit/employee Rs Th382.5N.A.-  
INCOME DATA
Interest income Rs m323,15720,762 1,556.5%  
Other income Rs m393,4432,495 15,772.4%   
Interest expense Rs m238,94012,791 1,868.1%   
Net interest income Rs m84,2167,971 1,056.5%  
Operating expense Rs m67,1596,283 1,068.9%   
Gross profit Rs m17,0571,688 1,010.7%  
Gross profit margin %5.38.1 64.9%  
Provisions/contingencies Rs m38,6821,115 3,469.5%   
Profit before tax Rs m17,7693,067 579.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2911,070 400.9%   
Profit after tax Rs m13,5691,997 679.5%  
Net profit margin %4.29.6 43.7%  
BALANCE SHEET DATA
Advances Rs m2,682,496158,176 1,695.9%   
Deposits Rs m3,441,175192,892 1,784.0%  
Credit/Deposit ratio x78.082.0 95.1%  
Yield on advances %8.810.4 84.7%   
Cost of deposits %6.46.1 105.0%   
Net Interest Margin %2.23.5 62.1%  
Net fixed assets Rs m39,5194,886 808.9%   
Share capital Rs m6,8742,854 240.9%   
Free reserves Rs m200,76113,116 1,530.7%   
Net worth Rs m230,48122,049 1,045.3%   
Borrowings Rs m306,36612,758 2,401.3%   
Investments Rs m905,73258,179 1,556.8%   
Total assets Rs m4,073,646240,464 1,694.1%  
Debt/equity ratio x16.39.3 174.3%   
Return on assets %0.30.8 40.1%  
Return on equity %5.99.1 65.0%  
Capital adequacy ratio %11.113.8 81.0%  
Net NPAs %5.30.8 664.6%  
CASH FLOW
From Operations Rs m82,7412,398 3,450.4%  
From Investments Rs m-8,718-711 1,226.1%  
From Financial Activity Rs m-3,8861,322 -293.9%  
Net Cashflow Rs m70,1383,009 2,330.9%  

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:   HDFC BANK  FEDERAL BANK  KARNATAKA BANK  BANK OF INDIA  SBI  

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



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