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Compare Union Bank with Indian Overseas Bank - Equitymaster
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UNION BANK vs INDIAN OVERSEAS 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 OVERSEAS BANK UNION BANK/
INDIAN OVERSEAS BANK
 
P/E (TTM) x -5.8 -0.7 - View Chart
P/BV x 0.3 0.2 194.6% View Chart
Dividend Yield % 1.8 0.0 -  

Financials

 UNION BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
INDIAN OVERSEAS BANK
Mar-16
UNION BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs22348 468.4%   
Low Rs10421 493.4%   
Income per share (Unadj.) Rs470.1130.1 361.3%  
Earnings per share (Unadj.) Rs19.7-18.7 -105.3%  
Cash flow per share (Unadj.) Rs67.4-32.1 -209.8%  
Dividends per share (Unadj.) Rs1.950-  
Avg Dividend yield %1.20-  
Book value per share (Unadj.) Rs335.386.7 386.8%  
Shares outstanding (eoy) m687.441,807.27 38.0%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.3 131.8%   
Avg P/E ratio x8.3-1.8 -452.1%  
Avg P/CF ratio x2.11.9 111.8%  
Avg Price/Bookvalue ratio x0.50.4 123.1%  
Dividend payout %9.90-   
Avg Mkt Cap Rs m112,25961,989 181.1%   
No. of employees `00035.5NA-   
Total wages & salary Rs m37,68133,904 111.1%   
Avg. income/employee Rs Th9,109.9NM-  
Avg. wages/employee Rs Th1,062.2NM-  
Avg. net profit/employee Rs Th382.5N.A.-  
INCOME DATA
Interest income Rs m323,157235,173 137.4%  
Other income Rs m393,44325,283 1,556.2%   
Interest expense Rs m238,940181,346 131.8%   
Net interest income Rs m84,21653,827 156.5%  
Operating expense Rs m67,15950,255 133.6%   
Gross profit Rs m17,0573,572 477.5%  
Gross profit margin %5.31.5 347.5%  
Provisions/contingencies Rs m38,68266,136 58.5%   
Profit before tax Rs m17,769-42,179 -42.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,291-8,308 -51.7%   
Profit after tax Rs m13,569-33,872 -40.1%  
Net profit margin %4.2-14.4 -29.2%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,608,607 166.8%   
Deposits Rs m3,441,1752,245,142 153.3%  
Credit/Deposit ratio x78.071.6 108.8%  
Yield on advances %8.810.4 85.2%   
Cost of deposits %6.47.2 88.6%   
Net Interest Margin %2.22.1 105.6%  
Net fixed assets Rs m39,51932,705 120.8%   
Share capital Rs m6,87418,073 38.0%   
Free reserves Rs m200,76189,452 224.4%   
Net worth Rs m230,481156,658 147.1%   
Borrowings Rs m306,366271,833 112.7%   
Investments Rs m905,732791,896 114.4%   
Total assets Rs m4,073,6462,744,368 148.4%  
Debt/equity ratio x16.316.1 101.2%   
Return on assets %0.3-1.2 -27.0%  
Return on equity %5.9-21.6 -27.2%  
Capital adequacy ratio %11.19.7 115.3%  
Net NPAs %5.311.9 44.2%  
CASH FLOW
From Operations Rs m82,741-15,515 -533.3%  
From Investments Rs m-8,718-2,536 343.8%  
From Financial Activity Rs m-3,886-8,472 45.9%  
Net Cashflow Rs m70,138-26,523 -264.4%  

Share Holding

Indian Promoters % 60.1 73.8 81.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 15.3 108.5%  
FIIs % 8.5 1.9 447.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 9.1 162.6%  
Shareholders   235,817 250,609 94.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   SBI  KOTAK MAH. BANK  PUNJAB & SIND BANK  DENA BANK  ORIENTAL BANK  

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



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