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Compare Union Bank with Indusind Bank - Equitymaster
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UNION BANK vs INDUSIND 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

INDUSIND BANK 
   Change

IndusInd Bank Limited (IBL) started in April 94 with a capital base of Rs. 3 bn. The net worth of the bank witnessed an impressive growth during the past six years and now stands at Rs. 8 bn. The total deposits and advancesof the bank in FY04 grew by... More

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Current Valuations

    UNION BANK INDUSIND BANK UNION BANK/
INDUSIND BANK
 
P/E (TTM) x -5.8 29.6 - View Chart
P/BV x 0.3 4.6 6.6% View Chart
Dividend Yield % 1.8 0.4 473.1%  

Financials

 UNION BANK   INDUSIND BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
INDUSIND BANK
Mar-17
UNION BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs2231,440 15.5%   
Low Rs104951 10.9%   
Income per share (Unadj.) Rs470.1240.8 195.2%  
Earnings per share (Unadj.) Rs19.747.9 41.2%  
Cash flow per share (Unadj.) Rs67.4134.6 50.1%  
Dividends per share (Unadj.) Rs1.956.00 32.5%  
Avg Dividend yield %1.20.5 238.0%  
Book value per share (Unadj.) Rs335.3344.9 97.2%  
Shares outstanding (eoy) m687.44598.15 114.9%   
Bonus/Rights/Conversions PIOI-  
Avg Price / Income ratio x0.35.0 7.0%   
Avg P/E ratio x8.324.9 33.2%  
Avg P/CF ratio x2.118.1 11.9%  
Avg Price/Bookvalue ratio x0.53.5 14.1%  
Dividend payout %9.912.5 78.9%   
Avg Mkt Cap Rs m112,259715,178 15.7%   
No. of employees `00035.525.3 140.1%   
Total wages & salary Rs m37,68115,210 247.7%   
Avg. income/employee Rs Th9,109.95,690.8 160.1%   
Avg. wages/employee Rs Th1,062.2600.9 176.8%   
Avg. net profit/employee Rs Th382.51,132.9 33.8%   
INCOME DATA
Interest income Rs m323,157144,057 224.3%  
Other income Rs m393,44341,715 943.2%   
Interest expense Rs m238,94083,431 286.4%   
Net interest income Rs m84,21660,626 138.9%  
Operating expense Rs m67,15947,831 140.4%   
Gross profit Rs m17,05712,795 133.3%  
Gross profit margin %5.38.9 59.4%  
Provisions/contingencies Rs m38,68210,913 354.4%   
Profit before tax Rs m17,76943,597 40.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,29114,918 28.8%   
Profit after tax Rs m13,56928,679 47.3%  
Net profit margin %4.219.9 21.1%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,130,805 237.2%   
Deposits Rs m3,441,1751,265,722 271.9%  
Credit/Deposit ratio x78.089.3 87.3%  
Yield on advances %8.810.2 87.0%   
Cost of deposits %6.45.5 117.2%   
Net Interest Margin %2.23.6 60.2%  
Net fixed assets Rs m39,51913,352 296.0%   
Share capital Rs m6,8745,982 114.9%   
Free reserves Rs m200,761200,328 100.2%   
Net worth Rs m230,481206,309 111.7%   
Borrowings Rs m306,366224,537 136.4%   
Investments Rs m905,732367,021 246.8%   
Total assets Rs m4,073,6461,786,484 228.0%  
Debt/equity ratio x16.37.2 225.1%   
Return on assets %0.31.6 20.7%  
Return on equity %5.913.9 42.4%  
Capital adequacy ratio %11.115.3 72.8%  
Net NPAs %5.30.3 1,590.9%  
CASH FLOW
From Operations Rs m82,741115,693 71.5%  
From Investments Rs m-8,718-2,736 318.6%  
From Financial Activity Rs m-3,886-27,683 14.0%  
Net Cashflow Rs m70,13885,274 82.3%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 15.2 -  
Indian inst/Mut Fund % 16.6 7.5 221.3%  
FIIs % 8.5 43.3 19.6%  
ADR/GDR % 0.0 12.3 -  
Free float % 14.8 21.7 68.2%  
Shareholders   235,817 100,355 235.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   BANK OF MAHARASHTRA  PNB  CITY UNION BANK  DCB BANK  VIJAYA BANK  

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



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Feb 21, 2018 (Close)

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