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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 15.5 18.5 83.8% View Chart
P/BV x 0.4 2.0 18.3% View Chart
Dividend Yield % 1.5 1.7 86.6%  

Financials

 UNION BANK   ICICI BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
ICICI BANK
Mar-16
UNION BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs223331 67.2%   
Low Rs104183 56.8%   
Income per share (Unadj.) Rs470.1102.3 459.6%  
Earnings per share (Unadj.) Rs19.717.6 112.4%  
Cash flow per share (Unadj.) Rs67.472.5 92.9%  
Dividends per share (Unadj.) Rs1.955.00 39.0%  
Avg Dividend yield %1.21.9 61.5%  
Book value per share (Unadj.) Rs335.3162.3 206.5%  
Shares outstanding (eoy) m687.445,797.24 11.9%   
Bonus/Rights/Conversions PIESOS-  
Avg Price / Income ratio x0.32.5 13.8%   
Avg P/E ratio x8.314.7 56.5%  
Avg P/CF ratio x2.16.6 32.4%  
Avg Price/Bookvalue ratio x0.51.6 30.7%  
Dividend payout %9.928.5 34.7%   
Avg Mkt Cap Rs m112,2591,491,920 7.5%   
No. of employees `00035.574.1 47.9%   
Total wages & salary Rs m37,68169,186 54.5%   
Avg. income/employee Rs Th9,109.98,002.3 113.8%   
Avg. wages/employee Rs Th1,062.2933.7 113.8%   
Avg. net profit/employee Rs Th382.51,373.9 27.8%   
INCOME DATA
Interest income Rs m323,157592,937 54.5%  
Other income Rs m393,443421,021 93.4%   
Interest expense Rs m238,940339,965 70.3%   
Net interest income Rs m84,216252,972 33.3%  
Operating expense Rs m67,159407,896 16.5%   
Gross profit Rs m17,057-154,923 -11.0%  
Gross profit margin %5.3-26.1 -20.2%  
Provisions/contingencies Rs m38,682123,054 31.4%   
Profit before tax Rs m17,769143,044 12.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90-7,469 -1.2%   
Prior Period Items Rs m00-   
Tax Rs m4,29133,775 12.7%   
Profit after tax Rs m13,569101,800 13.3%  
Net profit margin %4.217.2 24.5%  
BALANCE SHEET DATA
Advances Rs m2,682,4964,937,291 54.3%   
Deposits Rs m3,441,1754,510,774 76.3%  
Credit/Deposit ratio x78.0109.5 71.2%  
Yield on advances %8.88.4 104.9%   
Cost of deposits %6.44.9 131.5%   
Net Interest Margin %2.24.5 47.9%  
Net fixed assets Rs m39,51987,135 45.4%   
Share capital Rs m6,87411,632 59.1%   
Free reserves Rs m200,761560,261 35.8%   
Net worth Rs m230,481941,040 24.5%   
Borrowings Rs m306,3662,203,777 13.9%   
Investments Rs m905,7320-   
Total assets Rs m4,073,6469,187,562 44.3%  
Debt/equity ratio x16.37.1 227.9%   
Return on assets %0.31.1 30.1%  
Return on equity %5.910.8 54.4%  
Capital adequacy ratio %11.116.6 67.1%  
Net NPAs %5.33.0 176.2%  
CASH FLOW
From Operations Rs m82,741236,453 35.0%  
From Investments Rs m-8,718-118,193 7.4%  
From Financial Activity Rs m-3,88658,139 -6.7%  
Net Cashflow Rs m70,138176,400 39.8%  

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:   DHANLAXMI BANK  BANK OF BARODA  FEDERAL BANK  SOUTH IND.BANK  BANK OF INDIA  

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



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Aug 18, 2017 (Close)

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