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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 -1.6 22.9 - View Chart
P/BV x 0.2 3.6 4.9% View Chart
Dividend Yield % 0.0 0.5 -  

Financials

 UNION BANK   INDUSIND BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
INDUSIND BANK
Mar-18
UNION BANK/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs1061,814 5.8%   
Low Rs611,400 4.4%   
Income per share (Unadj.) Rs194.6287.9 67.6%  
Earnings per share (Unadj.) Rs-16.660.1 -27.6%  
Cash flow per share (Unadj.) Rs-42.9164.9 -26.0%  
Dividends per share (Unadj.) Rs07.50 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs151.6397.0 38.2%  
Shares outstanding (eoy) m1,763.02600.22 293.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.45.6 7.7%   
Avg P/E ratio x-5.026.8 -18.9%  
Avg P/CF ratio x1.720.2 8.5%  
Avg Price/Bookvalue ratio x0.64.0 13.6%  
Dividend payout %012.5 0.0%   
Avg Mkt Cap Rs m147,388964,674 15.3%   
No. of employees `00037.325.3 147.4%   
Total wages & salary Rs m32,37217,807 181.8%   
Avg. income/employee Rs Th9,208.86,834.7 134.7%   
Avg. wages/employee Rs Th868.8704.3 123.4%   
Avg. net profit/employee Rs Th-784.31,426.2 -55.0%   
INCOME DATA
Interest income Rs m343,137172,808 198.6%  
Other income Rs m50,41747,501 106.1%   
Interest expense Rs m238,96197,833 244.3%   
Net interest income Rs m104,17674,975 138.9%  
Operating expense Rs m78,56255,914 140.5%   
Gross profit Rs m25,61419,060 134.4%  
Gross profit margin %7.511.0 67.7%  
Provisions/contingencies Rs m115,15711,754 979.7%   
Profit before tax Rs m-39,01654,807 -71.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-9,79218,747 -52.2%   
Profit after tax Rs m-29,22436,060 -81.0%  
Net profit margin %-8.520.9 -40.8%  
BALANCE SHEET DATA
Advances Rs m2,987,8011,449,537 206.1%   
Deposits Rs m4,175,0481,516,392 275.3%  
Credit/Deposit ratio x71.695.6 74.9%  
Yield on advances %8.09.5 84.5%   
Cost of deposits %5.35.3 99.8%   
Net Interest Margin %2.23.6 61.5%  
Net fixed assets Rs m37,74513,388 281.9%   
Share capital Rs m17,6306,002 293.7%   
Free reserves Rs m249,686232,285 107.5%   
Net worth Rs m267,317238,287 112.2%   
Borrowings Rs m432,756382,891 113.0%   
Investments Rs m1,283,912500,783 256.4%   
Total assets Rs m4,985,8052,216,278 225.0%  
Debt/equity ratio x17.28.0 216.3%   
Return on assets %-0.61.6 -36.0%  
Return on equity %-10.915.1 -72.2%  
Capital adequacy ratio %11.815.0 78.4%  
Net NPAs %6.90.5 1,343.1%  
CASH FLOW
From Operations Rs m-77,784-207,004 37.6%  
From Investments Rs m-2,971-2,196 135.3%  
From Financial Activity Rs m17,582155,051 11.3%  
Net Cashflow Rs m-63,173-54,124 116.7%  

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:   KARNATAKA BANK  ALLAHABAD BANK  CITY UNION BANK  UNITED BANK OF INDIA  PNB  

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



Today's Market

Yes Bank's Road Ahead(Podcast)

The stock markets witnessed selling pressure in the week gone by. Market participants remained cautious tracking tepid quarterly earnings amid weak cues.

Related Views on News

INDUSIND BANK Announces Quarterly Results (1QFY20); Net Profit Up 38.3% (Quarterly Result Update)

Jul 15, 2019 | Updated on Jul 15, 2019

For the quarter ended June 2019, INDUSIND BANK has posted a net profit of Rs 14 bn (up 38.3% YoY). Sales on the other hand came in at Rs 70 bn (up 37.4% YoY). Read on for a complete analysis of INDUSIND BANK's quarterly results.

INDUSIND BANK Announces Quarterly Results (4QFY19); Net Profit Down 62.2% (Quarterly Result Update)

May 24, 2019 | Updated on May 24, 2019

For the quarter ended March 2019, INDUSIND BANK has posted a net profit of Rs 4 bn (down 62.2% YoY). Sales on the other hand came in at Rs 60 bn (up 28.8% YoY). Read on for a complete analysis of INDUSIND BANK's quarterly results.

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.

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.

INDUSIND BANK Announces Quarterly Results (3QFY19); Net Profit Up 5.2% (Quarterly Result Update)

Jan 11, 2019 | Updated on Jan 11, 2019

For the quarter ended December 2018, INDUSIND BANK has posted a net profit of Rs 10 bn (up 5.2% YoY). Sales on the other hand came in at Rs 58 bn (up 34.4% YoY). Read on for a complete analysis of INDUSIND BANK's quarterly results.

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