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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 -0.9 11.2 - View Chart
P/BV x 0.2 0.4 44.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   J&K BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
J&K BANK
Mar-17
UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs20592 222.8%   
Low Rs8655 157.5%   
Income per share (Unadj.) Rs282.01,282.5 22.0%  
Earnings per share (Unadj.) Rs-44.6-313.3 14.2%  
Cash flow per share (Unadj.) Rs-115.2-496.9 23.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs216.11,087.5 19.9%  
Shares outstanding (eoy) m1,168.5752.13 2,241.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.1 902.8%   
Avg P/E ratio x-3.3-0.2 1,394.0%  
Avg P/CF ratio x1.90.3 577.5%  
Avg Price/Bookvalue ratio x0.70.1 999.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m170,0273,821 4,449.7%   
No. of employees `00037.60.9 4,063.5%   
Total wages & salary Rs m33,32211,225 296.8%   
Avg. income/employee Rs Th8,766.772,278.9 12.1%   
Avg. wages/employee Rs Th886.512,135.6 7.3%   
Avg. net profit/employee Rs Th-1,386.8-17,653.9 7.9%   
INCOME DATA
Interest income Rs m329,51666,858 492.9%  
Other income Rs m54,6214,973 1,098.4%   
Interest expense Rs m234,70941,730 562.4%   
Net interest income Rs m94,80725,128 377.3%  
Operating expense Rs m73,50817,164 428.3%   
Gross profit Rs m21,2987,964 267.4%  
Gross profit margin %6.511.9 54.3%  
Provisions/contingencies Rs m142,06328,003 507.3%   
Profit before tax Rs m-66,062-15,067 438.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,9381,263 -1,103.4%   
Profit after tax Rs m-52,125-16,330 319.2%  
Net profit margin %-15.8-24.4 64.8%  
BALANCE SHEET DATA
Advances Rs m2,905,715498,161 583.3%   
Deposits Rs m4,102,884724,590 566.2%  
Credit/Deposit ratio x70.868.8 103.0%  
Yield on advances %7.99.6 81.9%   
Cost of deposits %5.35.6 93.4%   
Net Interest Margin %2.03.3 62.0%  
Net fixed assets Rs m38,46115,437 249.1%   
Share capital Rs m11,686522 2,240.8%   
Free reserves Rs m228,92527,885 821.0%   
Net worth Rs m252,51856,692 445.4%   
Borrowings Rs m456,80412,761 3,579.8%   
Investments Rs m1,255,107212,709 590.1%   
Total assets Rs m4,911,464820,121 598.9%  
Debt/equity ratio x18.113.0 138.8%   
Return on assets %-1.1-2.0 53.3%  
Return on equity %-20.6-28.8 71.7%  
Capital adequacy ratio %11.510.8 106.5%  
Net NPAs %8.45.1 166.4%  
CASH FLOW
From Operations Rs m60,89324,571 247.8%  
From Investments Rs m-3,068-8,614 35.6%  
From Financial Activity Rs m107,9195,929 1,820.3%  
Net Cashflow Rs m165,74421,886 757.3%  

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

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



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