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Compare Union Bank with Indian Bank - Equitymaster
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UNION BANK vs INDIAN 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

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Current Valuations

    UNION BANK INDIAN BANK UNION BANK/
INDIAN BANK
 
P/E (TTM) x 15.5 9.9 156.9% View Chart
P/BV x 0.4 1.0 37.8% View Chart
Dividend Yield % 1.5 1.4 106.1%  

Financials

 UNION BANK   INDIAN BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
INDIAN BANK
Mar-15
UNION BANK/
INDIAN BANK
5-Yr Chart
Click to enlarge
High Rs223224 99.3%   
Low Rs104113 92.1%   
Income per share (Unadj.) Rs470.1330.1 142.4%  
Earnings per share (Unadj.) Rs19.721.8 90.4%  
Cash flow per share (Unadj.) Rs67.458.4 115.5%  
Dividends per share (Unadj.) Rs1.954.20 46.4%  
Avg Dividend yield %1.22.5 47.9%  
Book value per share (Unadj.) Rs335.3312.9 107.1%  
Shares outstanding (eoy) m687.44480.29 143.1%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.30.5 68.0%   
Avg P/E ratio x8.37.7 107.2%  
Avg P/CF ratio x2.13.1 68.6%  
Avg Price/Bookvalue ratio x0.50.5 90.5%  
Dividend payout %9.919.2 51.4%   
Avg Mkt Cap Rs m112,25980,929 138.7%   
No. of employees `00035.520.3 174.8%   
Total wages & salary Rs m37,68117,463 215.8%   
Avg. income/employee Rs Th9,109.97,811.8 116.6%   
Avg. wages/employee Rs Th1,062.2860.5 123.4%   
Avg. net profit/employee Rs Th382.5516.8 74.0%   
INCOME DATA
Interest income Rs m323,157158,534 203.8%  
Other income Rs m393,44313,722 2,867.2%   
Interest expense Rs m238,940113,898 209.8%   
Net interest income Rs m84,21644,636 188.7%  
Operating expense Rs m67,15928,254 237.7%   
Gross profit Rs m17,05716,382 104.1%  
Gross profit margin %5.310.3 51.1%  
Provisions/contingencies Rs m38,68215,335 252.2%   
Profit before tax Rs m17,76915,105 117.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m9018 516.0%   
Prior Period Items Rs m00-   
Tax Rs m4,2914,635 92.6%   
Profit after tax Rs m13,56910,488 129.4%  
Net profit margin %4.26.6 63.5%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,258,702 213.1%   
Deposits Rs m3,441,1751,692,042 203.4%  
Credit/Deposit ratio x78.074.4 104.8%  
Yield on advances %8.89.6 92.0%   
Cost of deposits %6.46.6 96.8%   
Net Interest Margin %2.22.4 89.9%  
Net fixed assets Rs m39,51929,738 132.9%   
Share capital Rs m6,8744,803 143.1%   
Free reserves Rs m200,76179,581 252.3%   
Net worth Rs m230,481150,290 153.4%   
Borrowings Rs m306,36626,461 1,157.8%   
Investments Rs m905,732460,605 196.6%   
Total assets Rs m4,073,6461,930,357 211.0%  
Debt/equity ratio x16.311.4 142.2%   
Return on assets %0.30.5 61.3%  
Return on equity %5.97.0 84.4%  
Capital adequacy ratio %11.112.9 86.6%  
Net NPAs %5.32.5 210.0%  
CASH FLOW
From Operations Rs m82,74151,357 161.1%  
From Investments Rs m-8,718-2,364 368.8%  
From Financial Activity Rs m-3,886-23,117 16.8%  
Net Cashflow Rs m70,13825,876 271.1%  

Share Holding

Indian Promoters % 60.1 82.1 73.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 8.5 195.3%  
FIIs % 8.5 5.6 151.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 3.8 389.5%  
Shareholders   235,817 66,052 357.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   ANDHRA BANK  SYNDICATE BANK  CORPORATION BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



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