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Compare Union Bank with J&K Bank - Equitymaster
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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 15.1 3.5 428.5% View Chart
P/BV x 0.4 0.6 56.1% View Chart
Dividend Yield % 1.5 2.6 57.5%  

Financials

 UNION BANK   J&K BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
J&K BANK
Mar-15
UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs223119 187.1%   
Low Rs10495 109.6%   
Income per share (Unadj.) Rs470.11,456.5 32.3%  
Earnings per share (Unadj.) Rs19.7104.9 18.8%  
Cash flow per share (Unadj.) Rs67.4251.8 26.8%  
Dividends per share (Unadj.) Rs1.952.10 92.9%  
Avg Dividend yield %1.22.0 60.8%  
Book value per share (Unadj.) Rs335.31,260.0 26.6%  
Shares outstanding (eoy) m687.4448.48 1,418.0%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.1 473.1%   
Avg P/E ratio x8.31.0 811.4%  
Avg P/CF ratio x2.10.3 631.5%  
Avg Price/Bookvalue ratio x0.50.1 573.8%  
Dividend payout %9.92.0 493.4%   
Avg Mkt Cap Rs m112,2595,185 2,165.1%   
No. of employees `00035.51.0 3,695.1%   
Total wages & salary Rs m37,6818,976 419.8%   
Avg. income/employee Rs Th9,109.973,553.4 12.4%   
Avg. wages/employee Rs Th1,062.29,349.6 11.4%   
Avg. net profit/employee Rs Th382.55,296.7 7.2%   
INCOME DATA
Interest income Rs m323,15770,611 457.7%  
Other income Rs m393,4435,990 6,567.9%   
Interest expense Rs m238,94044,086 542.0%   
Net interest income Rs m84,21626,526 317.5%  
Operating expense Rs m67,15914,159 474.3%   
Gross profit Rs m17,05712,366 137.9%  
Gross profit margin %5.317.5 30.1%  
Provisions/contingencies Rs m38,68210,155 380.9%   
Profit before tax Rs m17,7698,202 216.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2913,117 137.7%   
Profit after tax Rs m13,5695,085 266.8%  
Net profit margin %4.27.2 58.3%  
BALANCE SHEET DATA
Advances Rs m2,682,496445,858 601.6%   
Deposits Rs m3,441,175657,362 523.5%  
Credit/Deposit ratio x78.067.8 114.9%  
Yield on advances %8.811.6 76.3%   
Cost of deposits %6.46.4 100.3%   
Net Interest Margin %2.23.6 60.0%  
Net fixed assets Rs m39,5196,896 573.1%   
Share capital Rs m6,874485 1,417.7%   
Free reserves Rs m200,76139,499 508.3%   
Net worth Rs m230,48161,085 377.3%   
Borrowings Rs m306,36623,396 1,309.5%   
Investments Rs m905,732251,043 360.8%   
Total assets Rs m4,073,646760,645 535.6%  
Debt/equity ratio x16.311.1 145.9%   
Return on assets %0.30.7 49.8%  
Return on equity %5.98.3 70.7%  
Capital adequacy ratio %11.112.6 88.6%  
Net NPAs %5.32.8 189.5%  
CASH FLOW
From Operations Rs m82,7411,181 7,008.4%  
From Investments Rs m-8,718-2,609 334.1%  
From Financial Activity Rs m-3,886-3,376 115.1%  
Net Cashflow Rs m70,138-4,805 -1,459.8%  

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:   VIJAYA BANK  SOUTH IND.BANK  BANK OF INDIA  CANARA BANK  AXIS BANK  

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



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Aug 22, 2017 (Close)

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