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Compare Union Bank with Karnataka Bank - Equitymaster
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UNION BANK vs KARNATAKA 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 KARNATAKA BANK UNION BANK/
KARNATAKA BANK
 
P/E (TTM) x -5.8 6.6 - View Chart
P/BV x 0.3 0.8 36.1% View Chart
Dividend Yield % 1.8 3.8 47.8%  

Financials

 UNION BANK   KARNATAKA BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
KARNATAKA BANK
Mar-16
UNION BANK/
KARNATAKA BANK
5-Yr Chart
Click to enlarge
High Rs223155 143.5%   
Low Rs10486 121.2%   
Income per share (Unadj.) Rs470.1264.9 177.5%  
Earnings per share (Unadj.) Rs19.722.1 89.5%  
Cash flow per share (Unadj.) Rs67.463.3 106.5%  
Dividends per share (Unadj.) Rs1.955.00 39.0%  
Avg Dividend yield %1.24.2 28.8%  
Book value per share (Unadj.) Rs335.3195.8 171.2%  
Shares outstanding (eoy) m687.44188.46 364.8%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.5 76.4%   
Avg P/E ratio x8.35.5 151.5%  
Avg P/CF ratio x2.13.1 70.3%  
Avg Price/Bookvalue ratio x0.50.6 79.2%  
Dividend payout %9.922.7 43.6%   
Avg Mkt Cap Rs m112,25922,700 494.5%   
No. of employees `00035.57.8 455.2%   
Total wages & salary Rs m37,6814,430 850.6%   
Avg. income/employee Rs Th9,109.96,406.8 142.2%   
Avg. wages/employee Rs Th1,062.2568.5 186.8%   
Avg. net profit/employee Rs Th382.5533.5 71.7%   
INCOME DATA
Interest income Rs m323,15749,922 647.3%  
Other income Rs m393,4435,429 7,247.1%   
Interest expense Rs m238,94036,893 647.7%   
Net interest income Rs m84,21613,029 646.4%  
Operating expense Rs m67,1599,912 677.6%   
Gross profit Rs m17,0573,117 547.2%  
Gross profit margin %5.36.2 84.5%  
Provisions/contingencies Rs m38,6823,265 1,184.6%   
Profit before tax Rs m17,7695,284 336.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2911,127 380.7%   
Profit after tax Rs m13,5694,157 326.4%  
Net profit margin %4.28.3 50.4%  
BALANCE SHEET DATA
Advances Rs m2,682,496339,024 791.2%   
Deposits Rs m3,441,175504,882 681.6%  
Credit/Deposit ratio x78.067.1 116.1%  
Yield on advances %8.810.9 80.9%   
Cost of deposits %6.47.1 90.3%   
Net Interest Margin %2.22.4 88.5%  
Net fixed assets Rs m39,5193,066 1,288.9%   
Share capital Rs m6,8741,885 364.7%   
Free reserves Rs m200,76112,672 1,584.3%   
Net worth Rs m230,48136,906 624.5%   
Borrowings Rs m306,36610,515 2,913.6%   
Investments Rs m905,732162,567 557.1%   
Total assets Rs m4,073,646565,003 721.0%  
Debt/equity ratio x16.314.0 116.4%   
Return on assets %0.30.7 45.3%  
Return on equity %5.911.3 52.3%  
Capital adequacy ratio %11.112.0 92.6%  
Net NPAs %5.32.4 223.4%  
CASH FLOW
From Operations Rs m82,7416,359 1,301.1%  
From Investments Rs m-8,718-579 1,505.2%  
From Financial Activity Rs m-3,886-1,473 263.9%  
Net Cashflow Rs m70,1384,308 1,628.2%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 21.1 78.7%  
FIIs % 8.5 10.0 85.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 68.9 21.5%  
Shareholders   235,817 123,252 191.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   PNB  INDIAN OVERSEAS BANK  DHANLAXMI BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



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