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UNION BANK vs HDFC 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

HDFC BANK 
   Change

With 4.2% share of India's total non-food credit disbursements in FY12, HDFC Bank is the second largest private sector bank in the country (after ICICI Bank) in terms of asset size. The bank has tripled its share from 1.2% of total non-food credit in... More

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Current Valuations

    UNION BANK HDFC BANK UNION BANK/
HDFC BANK
 
P/E (TTM) x -1.2 30.5 - View Chart
P/BV x 0.1 4.4 2.8% View Chart
Dividend Yield % 0.0 1.2 -  

Financials

 UNION BANK   HDFC BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
HDFC BANK
Mar-19
UNION BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs1062,327 4.5%   
Low Rs611,880 3.3%   
Income per share (Unadj.) Rs194.6386.2 50.4%  
Earnings per share (Unadj.) Rs-16.682.0 -20.2%  
Cash flow per share (Unadj.) Rs-42.9196.5 -21.8%  
Dividends per share (Unadj.) Rs015.00 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs151.6564.3 26.9%  
Shares outstanding (eoy) m1,763.022,723.31 64.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.45.4 7.9%   
Avg P/E ratio x-5.025.7 -19.7%  
Avg P/CF ratio x1.718.7 9.2%  
Avg Price/Bookvalue ratio x0.63.7 14.8%  
Dividend payout %018.3 0.0%   
Avg Mkt Cap Rs m147,3885,728,891 2.6%   
No. of employees `00037.398.1 38.0%   
Total wages & salary Rs m32,372104,512 31.0%   
Avg. income/employee Rs Th9,208.810,724.0 85.9%   
Avg. wages/employee Rs Th868.81,065.8 81.5%   
Avg. net profit/employee Rs Th-784.32,277.4 -34.4%   
INCOME DATA
Interest income Rs m343,1371,051,607 32.6%  
Other income Rs m50,417189,471 26.6%   
Interest expense Rs m238,961537,127 44.5%   
Net interest income Rs m104,176514,481 20.2%  
Operating expense Rs m78,562276,948 28.4%   
Gross profit Rs m25,614237,533 10.8%  
Gross profit margin %7.522.6 33.0%  
Provisions/contingencies Rs m115,15783,822 137.4%   
Profit before tax Rs m-39,016340,918 -11.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m01,132 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-9,792118,726 -8.2%   
Profit after tax Rs m-29,224223,324 -13.1%  
Net profit margin %-8.521.2 -40.1%  
BALANCE SHEET DATA
Advances Rs m2,987,8018,692,227 34.4%   
Deposits Rs m4,175,0489,225,027 45.3%  
Credit/Deposit ratio x71.694.2 75.9%  
Yield on advances %8.09.6 82.9%   
Cost of deposits %5.34.4 119.0%   
Net Interest Margin %2.24.2 53.3%  
Net fixed assets Rs m37,74542,198 89.4%   
Share capital Rs m17,6305,447 323.7%   
Free reserves Rs m249,6861,531,280 16.3%   
Net worth Rs m267,3171,536,727 17.4%   
Borrowings Rs m432,7561,577,328 27.4%   
Investments Rs m1,283,9122,869,177 44.7%   
Total assets Rs m4,985,80512,928,057 38.6%  
Debt/equity ratio x17.27.0 245.2%   
Return on assets %-0.61.7 -33.9%  
Return on equity %-10.914.5 -75.2%  
Capital adequacy ratio %11.817.1 68.9%  
Net NPAs %6.90.4 1,756.4%  
CASH FLOW
From Operations Rs m-77,784-628,715 12.4%  
From Investments Rs m-2,971-15,984 18.6%  
From Financial Activity Rs m17,582231,307 7.6%  
Net Cashflow Rs m-63,173-412,439 15.3%  

Share Holding

Indian Promoters % 60.1 22.6 265.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 9.9 167.7%  
FIIs % 8.5 34.1 24.9%  
ADR/GDR % 0.0 17.0 -  
Free float % 14.8 16.4 90.2%  
Shareholders   235,817 415,166 56.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   DHANLAXMI BANK  BANK OF INDIA  KOTAK MAHINDRA BANK  SOUTH IND.BANK  ICICI BANK  

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



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UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

HDFC BANK Announces Quarterly Results (1QFY20); Net Profit Up 21.0% (Quarterly Result Update)

Jul 22, 2019 | Updated on Jul 22, 2019

For the quarter ended June 2019, HDFC BANK has posted a net profit of Rs 56 bn (up 21.0% YoY). Sales on the other hand came in at Rs 274 bn (up 21.5% YoY). Read on for a complete analysis of HDFC 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.

HDFC BANK Announces Quarterly Results (4QFY19); Net Profit Up 22.6% (Quarterly Result Update)

Apr 22, 2019 | Updated on Apr 22, 2019

For the quarter ended March 2019, HDFC BANK has posted a net profit of Rs 59 bn (up 22.6% YoY). Sales on the other hand came in at Rs 263 bn (up 23.5% YoY). Read on for a complete analysis of HDFC 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.

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Oct 18, 2019 (Close)

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