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Compare Union Bank with Federal Bank - Equitymaster

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UNION BANK vs FEDERAL 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

FEDERAL BANK 
   Change

Federal Bank Ltd (FBL) (the erstwhile Travancore Federal Bank Limited) was incorporated with an authorised capital of Rs 5,000 in Central Travancore in the year 1931 under the Travancore Company's Act. The bank started business of auctionchitty and o... More

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Current Valuations

    UNION BANK FEDERAL BANK UNION BANK/
FEDERAL BANK
 
P/E (TTM) x -1.6 14.4 - View Chart
P/BV x 0.2 1.6 11.0% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 UNION BANK   FEDERAL BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
FEDERAL BANK
Mar-18
UNION BANK/
FEDERAL BANK
5-Yr Chart
Click to enlarge
High Rs106128 82.8%   
Low Rs6188 70.2%   
Income per share (Unadj.) Rs194.650.3 387.1%  
Earnings per share (Unadj.) Rs-16.64.7 -349.5%  
Cash flow per share (Unadj.) Rs-42.914.9 -288.1%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.9 0.0%  
Book value per share (Unadj.) Rs151.662.2 243.6%  
Shares outstanding (eoy) m1,763.021,972.14 89.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.42.1 20.1%   
Avg P/E ratio x-5.022.7 -22.2%  
Avg P/CF ratio x1.711.1 15.4%  
Avg Price/Bookvalue ratio x0.61.7 31.9%  
Dividend payout %021.1 0.0%   
Avg Mkt Cap Rs m147,388212,301 69.4%   
No. of employees `00037.312.1 307.6%   
Total wages & salary Rs m32,37212,768 253.5%   
Avg. income/employee Rs Th9,208.88,186.0 112.5%   
Avg. wages/employee Rs Th868.81,054.2 82.4%   
Avg. net profit/employee Rs Th-784.3772.3 -101.5%   
INCOME DATA
Interest income Rs m343,13799,149 346.1%  
Other income Rs m50,41711,602 434.5%   
Interest expense Rs m238,96162,264 383.8%   
Net interest income Rs m104,17636,885 282.4%  
Operating expense Rs m78,56225,047 313.7%   
Gross profit Rs m25,61411,837 216.4%  
Gross profit margin %7.511.9 62.5%  
Provisions/contingencies Rs m115,1579,693 1,188.0%   
Profit before tax Rs m-39,01613,747 -283.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m0258 0.0%   
Tax Rs m-9,7924,650 -210.6%   
Profit after tax Rs m-29,2249,354 -312.4%  
Net profit margin %-8.59.4 -90.3%  
BALANCE SHEET DATA
Advances Rs m2,987,801930,109 321.2%   
Deposits Rs m4,175,0481,119,701 372.9%  
Credit/Deposit ratio x71.683.1 86.2%  
Yield on advances %8.08.3 96.5%   
Cost of deposits %5.35.1 103.6%   
Net Interest Margin %2.22.8 79.7%  
Net fixed assets Rs m37,7454,614 818.1%   
Share capital Rs m17,6303,944 447.0%   
Free reserves Rs m249,68668,681 363.5%   
Net worth Rs m267,317122,742 217.8%   
Borrowings Rs m432,756123,288 351.0%   
Investments Rs m1,283,912305,947 419.7%   
Total assets Rs m4,985,8051,392,137 358.1%  
Debt/equity ratio x17.210.1 170.2%   
Return on assets %-0.60.7 -87.2%  
Return on equity %-10.97.6 -143.4%  
Capital adequacy ratio %11.814.7 80.1%  
Net NPAs %6.91.7 405.3%  
CASH FLOW
From Operations Rs m-77,784-50,509 154.0%  
From Investments Rs m-2,971-15,793 18.8%  
From Financial Activity Rs m17,58283,706 21.0%  
Net Cashflow Rs m-63,17317,406 -362.9%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 25.5 65.1%  
FIIs % 8.5 38.8 21.9%  
ADR/GDR % 0.0 2.2 -  
Free float % 14.8 33.0 44.8%  
Shareholders   235,817 82,469 285.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   SYNDICATE BANK  J&K BANK  DENA BANK  PNB  CITY UNION BANK  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

FEDERAL BANK Announces Quarterly Results (1QFY20); Net Profit Up 46.2% (Quarterly Result Update)

Jul 19, 2019 | Updated on Jul 19, 2019

For the quarter ended June 2019, FEDERAL BANK has posted a net profit of Rs 4 bn (up 46.2% YoY). Sales on the other hand came in at Rs 32 bn (up 21.1% YoY). Read on for a complete analysis of FEDERAL BANK's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

FEDERAL BANK Announces Quarterly Results (4QFY19); Net Profit Up 163.1% (Quarterly Result Update)

May 7, 2019 | Updated on May 7, 2019

For the quarter ended March 2019, FEDERAL BANK has posted a net profit of Rs 4 bn (up 163.1% YoY). Sales on the other hand came in at Rs 30 bn (up 19.0% YoY). Read on for a complete analysis of FEDERAL BANK's quarterly results.

UNION BANK Announces Quarterly Results (3QFY19); Net Profit Up 112.3% (Quarterly Result Update)

Jan 22, 2019 | Updated on Jan 22, 2019

For the quarter ended December 2018, UNION BANK has posted a net profit of Rs 2 bn (up 112.3% YoY). Sales on the other hand came in at Rs 85 bn (up 2.6% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

FEDERAL BANK Announces Quarterly Results (3QFY19); Net Profit Up 28.3% (Quarterly Result Update)

Jan 18, 2019 | Updated on Jan 18, 2019

For the quarter ended December 2018, FEDERAL BANK has posted a net profit of Rs 3 bn (up 28.3% YoY). Sales on the other hand came in at Rs 30 bn (up 18.1% YoY). Read on for a complete analysis of FEDERAL BANK's quarterly results.

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