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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 -1.1 6.2 - View Chart
P/BV x 0.2 0.4 50.4% View Chart
Dividend Yield % 0.0 3.7 -  

Financials

 UNION BANK   J&K BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
J&K BANK
Mar-15
UNION BANK/
J&K BANK
5-Yr Chart
Click to enlarge
High Rs205119 172.4%   
Low Rs8695 90.5%   
Income per share (Unadj.) Rs282.01,456.5 19.4%  
Earnings per share (Unadj.) Rs-44.6104.9 -42.5%  
Cash flow per share (Unadj.) Rs-115.2251.8 -45.8%  
Dividends per share (Unadj.) Rs02.10 0.0%  
Avg Dividend yield %02.0 0.0%  
Book value per share (Unadj.) Rs216.11,260.0 17.2%  
Shares outstanding (eoy) m1,168.5748.48 2,410.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.1 702.7%   
Avg P/E ratio x-3.31.0 -319.9%  
Avg P/CF ratio x1.90.3 555.6%  
Avg Price/Bookvalue ratio x0.70.1 793.3%  
Dividend payout %02.0 0.0%   
Avg Mkt Cap Rs m170,0275,185 3,279.2%   
No. of employees `00037.61.0 3,915.3%   
Total wages & salary Rs m33,3228,976 371.2%   
Avg. income/employee Rs Th8,766.773,553.4 11.9%   
Avg. wages/employee Rs Th886.59,349.6 9.5%   
Avg. net profit/employee Rs Th-1,386.85,296.7 -26.2%   
INCOME DATA
Interest income Rs m329,51670,611 466.7%  
Other income Rs m54,6215,990 911.8%   
Interest expense Rs m234,70944,086 532.4%   
Net interest income Rs m94,80726,526 357.4%  
Operating expense Rs m73,50814,159 519.2%   
Gross profit Rs m21,29812,366 172.2%  
Gross profit margin %6.517.5 36.9%  
Provisions/contingencies Rs m142,06310,155 1,399.0%   
Profit before tax Rs m-66,0628,202 -805.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,9383,117 -447.1%   
Profit after tax Rs m-52,1255,085 -1,025.1%  
Net profit margin %-15.87.2 -219.7%  
BALANCE SHEET DATA
Advances Rs m2,905,715445,858 651.7%   
Deposits Rs m4,102,884657,362 624.1%  
Credit/Deposit ratio x70.867.8 104.4%  
Yield on advances %7.911.6 68.0%   
Cost of deposits %5.36.4 82.2%   
Net Interest Margin %2.03.6 56.4%  
Net fixed assets Rs m38,4616,896 557.8%   
Share capital Rs m11,686485 2,409.9%   
Free reserves Rs m228,92539,499 579.6%   
Net worth Rs m252,51861,085 413.4%   
Borrowings Rs m456,80423,396 1,952.5%   
Investments Rs m1,255,107251,043 500.0%   
Total assets Rs m4,911,464760,645 645.7%  
Debt/equity ratio x18.111.1 162.0%   
Return on assets %-1.10.7 -158.8%  
Return on equity %-20.68.3 -248.0%  
Capital adequacy ratio %11.512.6 91.5%  
Net NPAs %8.42.8 304.0%  
CASH FLOW
From Operations Rs m60,8931,181 5,157.8%  
From Investments Rs m-3,068-2,609 117.6%  
From Financial Activity Rs m107,919-3,376 -3,196.9%  
Net Cashflow Rs m165,744-4,805 -3,449.8%  

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:   DENA BANK  IDBI BANK  UNITED BANK OF INDIA  ICICI BANK  SBI  

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



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