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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 -1.0 -0.3 - View Chart
P/BV x 0.2 0.1 143.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
INDIAN OVERSEAS BANK
Mar-18
UNION BANK/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs20532 636.6%   
Low Rs8617 500.0%   
Income per share (Unadj.) Rs282.036.6 769.8%  
Earnings per share (Unadj.) Rs-44.6-12.9 346.3%  
Cash flow per share (Unadj.) Rs-115.2-36.1 319.4%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs216.127.1 796.2%  
Shares outstanding (eoy) m1,168.574,890.77 23.9%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.7 76.5%   
Avg P/E ratio x-3.3-1.9 170.1%  
Avg P/CF ratio x1.91.5 129.8%  
Avg Price/Bookvalue ratio x0.70.9 74.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m170,027120,802 140.7%   
No. of employees `00037.627.9 134.5%   
Total wages & salary Rs m33,32229,942 111.3%   
Avg. income/employee Rs Th8,766.76,412.9 136.7%   
Avg. wages/employee Rs Th886.51,071.8 82.7%   
Avg. net profit/employee Rs Th-1,386.8-2,255.0 61.5%   
INCOME DATA
Interest income Rs m329,516179,152 183.9%  
Other income Rs m54,62137,464 145.8%   
Interest expense Rs m234,709124,476 188.6%   
Net interest income Rs m94,80754,676 173.4%  
Operating expense Rs m73,50855,849 131.6%   
Gross profit Rs m21,298-1,174 -1,814.6%  
Gross profit margin %6.5-0.7 -986.6%  
Provisions/contingencies Rs m142,063145,930 97.4%   
Profit before tax Rs m-66,062-86,317 76.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,938-23,322 59.8%   
Profit after tax Rs m-52,125-62,995 82.7%  
Net profit margin %-15.8-35.2 45.0%  
BALANCE SHEET DATA
Advances Rs m2,905,7151,324,888 219.3%   
Deposits Rs m4,102,8842,168,318 189.2%  
Credit/Deposit ratio x70.861.1 115.9%  
Yield on advances %7.99.0 87.1%   
Cost of deposits %5.35.3 99.2%   
Net Interest Margin %2.02.4 84.8%  
Net fixed assets Rs m38,46128,934 132.9%   
Share capital Rs m11,68648,908 23.9%   
Free reserves Rs m228,92569,912 327.4%   
Net worth Rs m252,518132,740 190.2%   
Borrowings Rs m456,80492,281 495.0%   
Investments Rs m1,255,107686,459 182.8%   
Total assets Rs m4,911,4642,479,681 198.1%  
Debt/equity ratio x18.117.0 106.0%   
Return on assets %-1.1-2.5 41.8%  
Return on equity %-20.6-47.5 43.5%  
Capital adequacy ratio %11.59.3 124.3%  
Net NPAs %8.415.3 54.9%  
CASH FLOW
From Operations Rs m60,893-17,933 -339.6%  
From Investments Rs m-3,068-1,151 266.6%  
From Financial Activity Rs m107,91952,303 206.3%  
Net Cashflow Rs m165,74433,220 498.9%  

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:   KARNATAKA BANK  CANARA BANK  CITY UNION BANK  IDFC BANK LTD  PNB  

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



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UNION BANK Announces Quarterly Results (1QFY19); Net Profit Up 11.1% (Quarterly Result Update)

Aug 13, 2018 | Updated on Aug 13, 2018

For the quarter ended June 2018, UNION BANK has posted a net profit of Rs 1 bn (up 11.1% YoY). Sales on the other hand came in at Rs 87 bn (up 6.7% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (1QFY19); Net Profit Down 21.0% (Quarterly Result Update)

Aug 3, 2018 | Updated on Aug 3, 2018

For the quarter ended June 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 9 bn (down 21.0% YoY). Sales on the other hand came in at Rs 42 bn (up 1.5% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

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Sep 19, 2018 (Close)

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