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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 -1.3 21.2 - View Chart
P/BV x 0.1 3.3 4.3% View Chart
Dividend Yield % 0.0 0.6 -  

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:   DCB BANK  CANARA BANK  SOUTH IND.BANK  IDFC FIRST BANK  ALLAHABAD BANK  

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



Today's Market

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Another week of slowdown in the markets over fears of a looming slowdown in the domestic and global economy continue.

Related Views on News

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

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.

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