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Compare Union Bank with ICICI Bank - Equitymaster

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UNION BANK vs ICICI 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

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    UNION BANK ICICI BANK UNION BANK/
ICICI BANK
 
P/E (TTM) x -1.3 64.5 - View Chart
P/BV x 0.2 2.0 8.9% View Chart
Dividend Yield % 0.0 0.4 -  

Financials

 UNION BANK   ICICI BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
ICICI BANK
Mar-18
UNION BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs205362 56.6%   
Low Rs86244 35.2%   
Income per share (Unadj.) Rs282.0106.7 264.2%  
Earnings per share (Unadj.) Rs-44.613.2 -336.9%  
Cash flow per share (Unadj.) Rs-115.277.1 -149.3%  
Dividends per share (Unadj.) Rs01.50 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs216.1189.9 113.8%  
Shares outstanding (eoy) m1,168.575,824.48 20.1%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.52.8 18.2%   
Avg P/E ratio x-3.322.9 -14.2%  
Avg P/CF ratio x1.96.6 28.8%  
Avg Price/Bookvalue ratio x0.71.6 42.2%  
Dividend payout %011.3 0.0%   
Avg Mkt Cap Rs m170,0271,765,982 9.6%   
No. of employees `00037.681.5 46.1%   
Total wages & salary Rs m33,32283,335 40.0%   
Avg. income/employee Rs Th8,766.77,622.8 115.0%   
Avg. wages/employee Rs Th886.51,021.9 86.8%   
Avg. net profit/employee Rs Th-1,386.8945.7 -146.6%   
INCOME DATA
Interest income Rs m329,516621,624 53.0%  
Other income Rs m54,621568,068 9.6%   
Interest expense Rs m234,709342,621 68.5%   
Net interest income Rs m94,807279,003 34.0%  
Operating expense Rs m73,508557,556 13.2%   
Gross profit Rs m21,298-278,553 -7.6%  
Gross profit margin %6.5-44.8 -14.4%  
Provisions/contingencies Rs m142,063191,949 74.0%   
Profit before tax Rs m-66,06297,565 -67.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-13,874 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-13,9386,570 -212.1%   
Profit after tax Rs m-52,12577,122 -67.6%  
Net profit margin %-15.812.4 -127.5%  
BALANCE SHEET DATA
Advances Rs m2,905,7155,668,542 51.3%   
Deposits Rs m4,102,8845,857,961 70.0%  
Credit/Deposit ratio x70.896.8 73.2%  
Yield on advances %7.97.6 103.1%   
Cost of deposits %5.34.1 129.8%   
Net Interest Margin %2.02.7 75.0%  
Net fixed assets Rs m38,46194,650 40.6%   
Share capital Rs m11,68612,858 90.9%   
Free reserves Rs m228,925591,640 38.7%   
Net worth Rs m252,5181,106,241 22.8%   
Borrowings Rs m456,8042,294,018 19.9%   
Investments Rs m1,255,1073,722,077 33.7%   
Total assets Rs m4,911,46411,242,810 43.7%  
Debt/equity ratio x18.17.4 245.0%   
Return on assets %-1.10.7 -154.7%  
Return on equity %-20.67.0 -296.1%  
Capital adequacy ratio %11.518.4 62.4%  
Net NPAs %8.44.8 176.5%  
CASH FLOW
From Operations Rs m60,893193,829 31.4%  
From Investments Rs m-3,068-505,735 0.6%  
From Financial Activity Rs m107,919396,760 27.2%  
Net Cashflow Rs m165,74485,083 194.8%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 23.1 71.9%  
FIIs % 8.5 40.0 21.3%  
ADR/GDR % 0.0 29.2 -  
Free float % 14.8 7.8 189.7%  
Shareholders   235,817 585,463 40.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   AXIS BANK  INDUSIND BANK  IDBI BANK  VIJAYA BANK  DHANLAXMI BANK  

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



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