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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 15.5 28.8 53.6% View Chart
P/BV x 0.4 5.5 6.7% View Chart
Dividend Yield % 1.5 0.3 531.4%  

Financials

 UNION BANK   INDUSIND BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
INDUSIND BANK
Mar-16
UNION BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs223986 22.6%   
Low Rs104828 12.6%   
Income per share (Unadj.) Rs470.1194.6 241.5%  
Earnings per share (Unadj.) Rs19.738.4 51.4%  
Cash flow per share (Unadj.) Rs67.4108.7 62.0%  
Dividends per share (Unadj.) Rs1.954.50 43.3%  
Avg Dividend yield %1.20.5 240.7%  
Book value per share (Unadj.) Rs335.3297.2 112.8%  
Shares outstanding (eoy) m687.44594.99 115.5%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.34.7 7.5%   
Avg P/E ratio x8.323.6 35.0%  
Avg P/CF ratio x2.118.2 11.8%  
Avg Price/Bookvalue ratio x0.53.1 16.0%  
Dividend payout %9.911.7 84.4%   
Avg Mkt Cap Rs m112,259539,745 20.8%   
No. of employees `00035.523.1 153.8%   
Total wages & salary Rs m37,68112,361 304.8%   
Avg. income/employee Rs Th9,109.95,022.0 181.4%   
Avg. wages/employee Rs Th1,062.2536.0 198.2%   
Avg. net profit/employee Rs Th382.5991.5 38.6%   
INCOME DATA
Interest income Rs m323,157115,807 279.0%  
Other income Rs m393,44332,970 1,193.4%   
Interest expense Rs m238,94070,641 338.2%   
Net interest income Rs m84,21645,166 186.5%  
Operating expense Rs m67,15936,721 182.9%   
Gross profit Rs m17,0578,445 202.0%  
Gross profit margin %5.37.3 72.4%  
Provisions/contingencies Rs m38,6826,722 575.5%   
Profit before tax Rs m17,76934,693 51.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,29111,828 36.3%   
Profit after tax Rs m13,56922,865 59.3%  
Net profit margin %4.219.7 21.3%  
BALANCE SHEET DATA
Advances Rs m2,682,496884,193 303.4%   
Deposits Rs m3,441,175930,004 370.0%  
Credit/Deposit ratio x78.095.1 82.0%  
Yield on advances %8.810.5 84.4%   
Cost of deposits %6.46.1 104.5%   
Net Interest Margin %2.23.5 62.3%  
Net fixed assets Rs m39,51912,553 314.8%   
Share capital Rs m6,8745,950 115.5%   
Free reserves Rs m200,761142,889 140.5%   
Net worth Rs m230,481176,822 130.3%   
Borrowings Rs m306,366221,559 138.3%   
Investments Rs m905,732312,143 290.2%   
Total assets Rs m4,073,6461,400,570 290.9%  
Debt/equity ratio x16.36.5 249.7%   
Return on assets %0.31.6 20.4%  
Return on equity %5.912.9 45.5%  
Capital adequacy ratio %11.115.5 71.9%  
Net NPAs %5.30.4 1,458.3%  
CASH FLOW
From Operations Rs m82,741-67,879 -121.9%  
From Investments Rs m-8,718-2,575 338.5%  
From Financial Activity Rs m-3,88663,782 -6.1%  
Net Cashflow Rs m70,138-6,673 -1,051.1%  

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:   SYNDICATE BANK  CITY UNION BANK  DENA BANK  IDBI BANK  YES BANK  

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



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Aug 18, 2017 (Close)

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