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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 -5.8 23.0 - View Chart
P/BV x 0.3 2.0 15.2% View Chart
Dividend Yield % 1.8 0.8 230.4%  

Financials

 UNION BANK   ICICI BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
ICICI BANK
Mar-17
UNION BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs223293 76.0%   
Low Rs104215 48.5%   
Income per share (Unadj.) Rs470.1104.8 448.5%  
Earnings per share (Unadj.) Rs19.717.5 112.6%  
Cash flow per share (Unadj.) Rs67.476.1 88.6%  
Dividends per share (Unadj.) Rs1.952.50 78.0%  
Avg Dividend yield %1.21.0 121.2%  
Book value per share (Unadj.) Rs335.3179.9 186.3%  
Shares outstanding (eoy) m687.445,814.77 11.8%   
Bonus/Rights/Conversions PIESOS-  
Avg Price / Income ratio x0.32.4 14.4%   
Avg P/E ratio x8.314.5 57.1%  
Avg P/CF ratio x2.15.5 39.0%  
Avg Price/Bookvalue ratio x0.51.4 34.5%  
Dividend payout %9.914.3 69.2%   
Avg Mkt Cap Rs m112,2591,475,207 7.6%   
No. of employees `00035.581.1 43.7%   
Total wages & salary Rs m37,68178,933 47.7%   
Avg. income/employee Rs Th9,109.97,511.5 121.3%   
Avg. wages/employee Rs Th1,062.2972.9 109.2%   
Avg. net profit/employee Rs Th382.51,255.8 30.5%   
INCOME DATA
Interest income Rs m323,157609,400 53.0%  
Other income Rs m393,443524,577 75.0%   
Interest expense Rs m238,940348,358 68.6%   
Net interest income Rs m84,216261,042 32.3%  
Operating expense Rs m67,159481,700 13.9%   
Gross profit Rs m17,057-220,658 -7.7%  
Gross profit margin %5.3-36.2 -14.6%  
Provisions/contingencies Rs m38,682165,825 23.3%   
Profit before tax Rs m17,769138,094 12.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90-11,520 -0.8%   
Prior Period Items Rs m00-   
Tax Rs m4,29124,690 17.4%   
Profit after tax Rs m13,569101,884 13.3%  
Net profit margin %4.216.7 25.1%  
BALANCE SHEET DATA
Advances Rs m2,682,4965,153,173 52.1%   
Deposits Rs m3,441,1755,125,873 67.1%  
Credit/Deposit ratio x78.0100.5 77.5%  
Yield on advances %8.88.2 108.1%   
Cost of deposits %6.44.5 141.4%   
Net Interest Margin %2.22.9 74.8%  
Net fixed assets Rs m39,51993,380 42.3%   
Share capital Rs m6,87411,651 59.0%   
Free reserves Rs m200,761581,559 34.5%   
Net worth Rs m230,4811,046,320 22.0%   
Borrowings Rs m306,3661,882,868 16.3%   
Investments Rs m905,7323,045,017 29.7%   
Total assets Rs m4,073,6469,860,427 41.3%  
Debt/equity ratio x16.36.7 242.7%   
Return on assets %0.31.0 32.2%  
Return on equity %5.99.7 60.5%  
Capital adequacy ratio %11.117.4 64.1%  
Net NPAs %5.35.4 96.7%  
CASH FLOW
From Operations Rs m82,741526,355 15.7%  
From Investments Rs m-8,718-16,057 54.3%  
From Financial Activity Rs m-3,886-354,695 1.1%  
Net Cashflow Rs m70,138155,603 45.1%  

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:   KOTAK MAH. BANK  YES BANK  CANARA BANK  ING VYSYA BANK  UNITED BANK OF INDIA  

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



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Feb 23, 2018 (Close)

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