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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 -1.7 80.8 - View Chart
P/BV x 0.2 2.4 7.8% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNION BANK   ICICI BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
ICICI BANK
Mar-19
UNION BANK/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs106400 26.5%   
Low Rs61259 23.7%   
Income per share (Unadj.) Rs194.6112.0 173.8%  
Earnings per share (Unadj.) Rs-16.66.6 -250.5%  
Cash flow per share (Unadj.) Rs-42.973.4 -58.5%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs151.6177.7 85.3%  
Shares outstanding (eoy) m1,763.026,427.99 27.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.42.9 14.6%   
Avg P/E ratio x-5.049.8 -10.1%  
Avg P/CF ratio x1.78.1 21.1%  
Avg Price/Bookvalue ratio x0.61.9 29.7%  
Dividend payout %015.1 0.0%   
Avg Mkt Cap Rs m147,3882,118,987 7.0%   
No. of employees `00037.386.8 42.9%   
Total wages & salary Rs m32,37294,253 34.3%   
Avg. income/employee Rs Th9,208.88,296.4 111.0%   
Avg. wages/employee Rs Th868.81,086.3 80.0%   
Avg. net profit/employee Rs Th-784.3490.3 -159.9%   
INCOME DATA
Interest income Rs m343,137719,817 47.7%  
Other income Rs m50,417593,248 8.5%   
Interest expense Rs m238,961391,775 61.0%   
Net interest income Rs m104,176328,041 31.8%  
Operating expense Rs m78,562642,589 12.2%   
Gross profit Rs m25,614-314,548 -8.1%  
Gross profit margin %7.5-43.7 -17.1%  
Provisions/contingencies Rs m115,157217,669 52.9%   
Profit before tax Rs m-39,01661,032 -63.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-14,349 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-9,7924,140 -236.5%   
Profit after tax Rs m-29,22442,542 -68.7%  
Net profit margin %-8.55.9 -144.1%  
BALANCE SHEET DATA
Advances Rs m2,987,8016,469,617 46.2%   
Deposits Rs m4,175,0486,813,169 61.3%  
Credit/Deposit ratio x71.695.0 75.4%  
Yield on advances %8.07.9 101.6%   
Cost of deposits %5.34.0 133.6%   
Net Interest Margin %2.22.9 76.5%  
Net fixed assets Rs m37,74596,604 39.1%   
Share capital Rs m17,63012,895 136.7%   
Free reserves Rs m249,6861,129,593 22.1%   
Net worth Rs m267,3171,142,487 23.4%   
Borrowings Rs m432,7562,103,241 20.6%   
Investments Rs m1,283,9123,982,008 32.2%   
Total assets Rs m4,985,80512,387,939 40.2%  
Debt/equity ratio x17.27.8 220.9%   
Return on assets %-0.60.3 -170.7%  
Return on equity %-10.93.7 -293.6%  
Capital adequacy ratio %11.816.9 69.7%  
Net NPAs %6.92.3 299.1%  
CASH FLOW
From Operations Rs m-77,784486,711 -16.0%  
From Investments Rs m-2,971-301,472 1.0%  
From Financial Activity Rs m17,582-199,974 -8.8%  
Net Cashflow Rs m-63,173-16,082 392.8%  

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:   KARUR VYSYA BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  BANDHAN BANK LTD  ALLAHABAD BANK  

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



Today's Market

Indian Indices End on a Positive Note for Third Straight Day; Yes Bank Falls 5%(Closing)

Indian share markets traded on a positive note most of the day and ended marginally higher. Sectoral indices ended on a mixed note with stocks in the IT sector.

Related Views on News

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.

ICICI BANK Announces Quarterly Results (4QFY19); Net Profit Down 5.0% (Quarterly Result Update)

May 8, 2019 | Updated on May 8, 2019

For the quarter ended March 2019, ICICI BANK has posted a net profit of Rs 10 bn (down 5.0% YoY). Sales on the other hand came in at Rs 173 bn (up 21.2% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

ICICI BANK Announces Quarterly Results (3QFY19); Net Profit Down 2.7% (Quarterly Result Update)

Jan 31, 2019 | Updated on Jan 31, 2019

For the quarter ended December 2018, ICICI BANK has posted a net profit of Rs 16 bn (down 2.7% YoY). Sales on the other hand came in at Rs 163 bn (up 19.1% YoY). Read on for a complete analysis of ICICI 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.

ICICI BANK Announces Quarterly Results (2QFY19); Net Profit Down 55.8% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, ICICI BANK has posted a net profit of Rs 9 bn (down 55.8% YoY). Sales on the other hand came in at Rs 151 bn (up 11.3% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

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