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Compare Union Bank with HDFC Bank - Equitymaster
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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 -5.7 29.7 - View Chart
P/BV x 0.3 5.1 5.8% View Chart
Dividend Yield % 1.8 0.6 305.6%  

Financials

 UNION BANK   HDFC BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
HDFC BANK
Mar-17
UNION BANK/
HDFC BANK
5-Yr Chart
Click to enlarge
High Rs2231,478 15.1%   
Low Rs1041,043 10.0%   
Income per share (Unadj.) Rs470.1285.9 164.4%  
Earnings per share (Unadj.) Rs19.759.5 33.2%  
Cash flow per share (Unadj.) Rs67.4156.5 43.1%  
Dividends per share (Unadj.) Rs1.9511.00 17.7%  
Avg Dividend yield %1.20.9 136.8%  
Book value per share (Unadj.) Rs335.3358.2 93.6%  
Shares outstanding (eoy) m687.442,562.55 26.8%   
Bonus/Rights/Conversions PIESOP-  
Avg Price / Income ratio x0.34.4 7.9%   
Avg P/E ratio x8.321.2 39.1%  
Avg P/CF ratio x2.116.8 12.8%  
Avg Price/Bookvalue ratio x0.53.5 13.8%  
Dividend payout %9.918.5 53.5%   
Avg Mkt Cap Rs m112,2593,230,094 3.5%   
No. of employees `00035.584.3 42.1%   
Total wages & salary Rs m37,68185,047 44.3%   
Avg. income/employee Rs Th9,109.98,689.2 104.8%   
Avg. wages/employee Rs Th1,062.21,008.6 105.3%   
Avg. net profit/employee Rs Th382.51,808.8 21.1%   
INCOME DATA
Interest income Rs m323,157732,714 44.1%  
Other income Rs m393,443128,776 305.5%   
Interest expense Rs m238,940380,416 62.8%   
Net interest income Rs m84,216352,298 23.9%  
Operating expense Rs m67,159207,511 32.4%   
Gross profit Rs m17,057144,787 11.8%  
Gross profit margin %5.319.8 26.7%  
Provisions/contingencies Rs m38,68239,908 96.9%   
Profit before tax Rs m17,769232,921 7.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90367 24.6%   
Prior Period Items Rs m023 0.0%   
Tax Rs m4,29180,781 5.3%   
Profit after tax Rs m13,569152,530 8.9%  
Net profit margin %4.220.8 20.2%  
BALANCE SHEET DATA
Advances Rs m2,682,4965,854,810 45.8%   
Deposits Rs m3,441,1756,431,343 53.5%  
Credit/Deposit ratio x78.091.0 85.6%  
Yield on advances %8.89.6 92.3%   
Cost of deposits %6.44.9 131.8%   
Net Interest Margin %2.24.2 52.0%  
Net fixed assets Rs m39,51938,147 103.6%   
Share capital Rs m6,8745,125 134.1%   
Free reserves Rs m200,761702,033 28.6%   
Net worth Rs m230,481917,940 25.1%   
Borrowings Rs m306,366984,156 31.1%   
Investments Rs m905,7322,107,771 43.0%   
Total assets Rs m4,073,6468,923,442 45.7%  
Debt/equity ratio x16.38.1 201.3%   
Return on assets %0.31.7 19.5%  
Return on equity %5.916.6 35.4%  
Capital adequacy ratio %11.114.6 76.6%  
Net NPAs %5.30.3 1,590.9%  
CASH FLOW
From Operations Rs m82,741172,816 47.9%  
From Investments Rs m-8,718-11,477 76.0%  
From Financial Activity Rs m-3,886-58,930 6.6%  
Net Cashflow Rs m70,138102,409 68.5%  

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:   ORIENTAL BANK  KARUR VYSYA BANK  PNB  SBI  DCB BANK  

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



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HDFC Bank: Loan Growth Camouflages Bad Loan Risks (Quarterly Results Update - Detailed)

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Feb 22, 2018 (Close)

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