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UNION BANK vs J&K 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

J&K BANK 
   Change

Jammu and Kashmir Bank Ltd (J&K) is the first state owned bank of the country and 53% of equity is held by the government of J&K. The bank has a network of 475 branches spread over the country. During the year, the bank recorded an over 23% growth in... More

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Current Valuations

    UNION BANK J&K BANK UNION BANK/
J&K BANK
 
P/E (TTM) x -1.3 4.4 - View Chart
P/BV x 0.1 0.3 45.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   J&K BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
J&K BANK
Mar-18
UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs10696 110.6%   
Low Rs6155 112.7%   
Income per share (Unadj.) Rs194.61,189.2 16.4%  
Earnings per share (Unadj.) Rs-16.636.4 -45.5%  
Cash flow per share (Unadj.) Rs-42.9167.4 -25.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs151.61,105.9 13.7%  
Shares outstanding (eoy) m1,763.0255.68 3,166.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.1 680.2%   
Avg P/E ratio x-5.02.1 -244.5%  
Avg P/CF ratio x1.70.3 566.8%  
Avg Price/Bookvalue ratio x0.60.1 811.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m147,3884,182 3,524.7%   
No. of employees `00037.31.0 3,649.6%   
Total wages & salary Rs m32,37212,869 251.6%   
Avg. income/employee Rs Th9,208.864,852.1 14.2%   
Avg. wages/employee Rs Th868.812,604.2 6.9%   
Avg. net profit/employee Rs Th-784.31,985.2 -39.5%   
INCOME DATA
Interest income Rs m343,13766,214 518.2%  
Other income Rs m50,4175,008 1,006.7%   
Interest expense Rs m238,96137,502 637.2%   
Net interest income Rs m104,17628,712 362.8%  
Operating expense Rs m78,56219,902 394.7%   
Gross profit Rs m25,6148,810 290.7%  
Gross profit margin %7.513.3 56.1%  
Provisions/contingencies Rs m115,15711,792 976.6%   
Profit before tax Rs m-39,0161,209 -3,226.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-9,792-818 1,197.7%   
Profit after tax Rs m-29,2242,027 -1,441.8%  
Net profit margin %-8.53.1 -278.2%  
BALANCE SHEET DATA
Advances Rs m2,987,801569,127 525.0%   
Deposits Rs m4,175,048800,045 521.9%  
Credit/Deposit ratio x71.671.1 100.6%  
Yield on advances %8.08.7 91.3%   
Cost of deposits %5.34.5 117.3%   
Net Interest Margin %2.23.4 64.8%  
Net fixed assets Rs m37,74516,149 233.7%   
Share capital Rs m17,630557 3,165.2%   
Free reserves Rs m249,68632,336 772.2%   
Net worth Rs m267,31761,576 434.1%   
Borrowings Rs m432,75616,283 2,657.7%   
Investments Rs m1,283,912188,600 680.8%   
Total assets Rs m4,985,805896,844 555.9%  
Debt/equity ratio x17.213.3 130.0%   
Return on assets %-0.60.2 -259.3%  
Return on equity %-10.93.3 -332.1%  
Capital adequacy ratio %11.811.4 103.2%  
Net NPAs %6.94.9 139.8%  
CASH FLOW
From Operations Rs m-77,78423,627 -329.2%  
From Investments Rs m-2,971-1,639 181.3%  
From Financial Activity Rs m17,5826,684 263.0%  
Net Cashflow Rs m-63,17328,672 -220.3%  

Share Holding

Indian Promoters % 60.1 53.2 113.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 4.3 386.0%  
FIIs % 8.5 29.3 29.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 13.3 111.3%  
Shareholders   235,817 56,111 420.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   YES BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  SBI  KARUR VYSYA BANK  

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



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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.

J&K BANK Announces Quarterly Results (1QFY20); Net Profit Down 58.4% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, J&K BANK has posted a net profit of Rs 219 m (down 58.4% YoY). Sales on the other hand came in at Rs 21 bn (up 17.5% YoY). Read on for a complete analysis of J&K BANK's quarterly results.

J&K BANK Announces Quarterly Results (4QFY19); Net Profit Up 656.1% (Quarterly Result Update)

May 17, 2019 | Updated on May 17, 2019

For the quarter ended March 2019, J&K BANK has posted a net profit of Rs 2 bn (up 656.1% YoY). Sales on the other hand came in at Rs 21 bn (up 30.0% YoY). Read on for a complete analysis of J&K 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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Sep 13, 2019 (Close)

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