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Compare Union Bank with IDBI Bank - Equitymaster
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UNION BANK vs IDBI 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

IDBI BANK 
   Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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Current Valuations

    UNION BANK IDBI BANK UNION BANK/
IDBI BANK
 
P/E (TTM) x 15.5 -1.7 - View Chart
P/BV x 0.4 0.4 101.9% View Chart
Dividend Yield % 1.5 1.4 106.9%  

Financials

 UNION BANK   IDBI BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
IDBI BANK
Mar-15
UNION BANK/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs223113 197.3%   
Low Rs10460 173.2%   
Income per share (Unadj.) Rs470.1175.6 267.7%  
Earnings per share (Unadj.) Rs19.75.9 336.2%  
Cash flow per share (Unadj.) Rs67.46.0 1,114.8%  
Dividends per share (Unadj.) Rs1.950.75 260.0%  
Avg Dividend yield %1.20.9 137.6%  
Book value per share (Unadj.) Rs335.3152.0 220.6%  
Shares outstanding (eoy) m687.441,603.96 42.9%   
Bonus/Rights/Conversions PIESOP-  
Avg Price / Income ratio x0.30.5 70.6%   
Avg P/E ratio x8.314.7 56.2%  
Avg P/CF ratio x2.12.6 84.2%  
Avg Price/Bookvalue ratio x0.50.6 85.6%  
Dividend payout %9.912.8 77.3%   
Avg Mkt Cap Rs m112,259138,662 81.0%   
No. of employees `00035.516.6 214.3%   
Total wages & salary Rs m37,68120,112 187.4%   
Avg. income/employee Rs Th9,109.917,012.5 53.5%   
Avg. wages/employee Rs Th1,062.21,214.9 87.4%   
Avg. net profit/employee Rs Th382.5568.9 67.2%   
INCOME DATA
Interest income Rs m323,157281,643 114.7%  
Other income Rs m393,44341,892 939.2%   
Interest expense Rs m238,940223,872 106.7%   
Net interest income Rs m84,21657,771 145.8%  
Operating expense Rs m67,15941,046 163.6%   
Gross profit Rs m17,05716,725 102.0%  
Gross profit margin %5.35.9 88.9%  
Provisions/contingencies Rs m38,68244,905 86.1%   
Profit before tax Rs m17,76913,403 132.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90155 58.4%   
Prior Period Items Rs m00-   
Tax Rs m4,2914,139 103.7%   
Profit after tax Rs m13,5699,418 144.1%  
Net profit margin %4.23.3 125.6%  
BALANCE SHEET DATA
Advances Rs m2,682,4962,083,769 128.7%   
Deposits Rs m3,441,1752,595,230 132.6%  
Credit/Deposit ratio x78.080.3 97.1%  
Yield on advances %8.810.0 88.3%   
Cost of deposits %6.46.8 94.4%   
Net Interest Margin %2.21.7 128.9%  
Net fixed assets Rs m39,51930,800 128.3%   
Share capital Rs m6,87416,040 42.9%   
Free reserves Rs m200,761156,910 127.9%   
Net worth Rs m230,481243,749 94.6%   
Borrowings Rs m306,366618,330 49.5%   
Investments Rs m905,7321,206,093 75.1%   
Total assets Rs m4,073,6463,559,309 114.5%  
Debt/equity ratio x16.313.2 123.3%   
Return on assets %0.30.3 125.9%  
Return on equity %5.93.9 152.4%  
Capital adequacy ratio %11.111.8 94.7%  
Net NPAs %5.32.9 182.3%  
CASH FLOW
From Operations Rs m82,741-19,906 -415.7%  
From Investments Rs m-8,718-2,716 320.9%  
From Financial Activity Rs m-3,886-610 636.8%  
Net Cashflow Rs m70,138-23,232 -301.9%  

Share Holding

Indian Promoters % 60.1 71.7 83.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 13.7 121.2%  
FIIs % 8.5 3.4 250.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 11.2 132.1%  
Shareholders   235,817 438,231 53.8%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   INDIAN OVERSEAS BANK  AXIS BANK  BANK OF INDIA  PNB  CITY UNION BANK  

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



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Aug 18, 2017 (Close)

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