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Compare Union Bank with Kotak Bank - Equitymaster

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UNION BANK vs KOTAK MAH. 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

KOTAK MAH. BANK 
   Change

A flagship company of the well-known financial conglomerate Kotak Mahindra Group, Kotak Mahindra Bank was the first banking entity in the country created by conversion of a financial institution in 2003. The bank had 105 branches across 69 locations ... More

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Current Valuations

    UNION BANK KOTAK MAH. BANK UNION BANK/
KOTAK MAH. BANK
 
P/E (TTM) x -1.5 35.2 - View Chart
P/BV x 0.2 4.2 4.9% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 UNION BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
KOTAK MAH. BANK
Mar-18
UNION BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs2051,133 18.1%   
Low Rs86868 9.9%   
Income per share (Unadj.) Rs282.0131.9 213.8%  
Earnings per share (Unadj.) Rs-44.632.5 -137.1%  
Cash flow per share (Unadj.) Rs-115.2127.8 -90.2%  
Dividends per share (Unadj.) Rs00.70 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs216.1264.9 81.6%  
Shares outstanding (eoy) m1,168.571,905.65 61.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.57.6 6.8%   
Avg P/E ratio x-3.330.7 -10.6%  
Avg P/CF ratio x1.926.4 7.2%  
Avg Price/Bookvalue ratio x0.73.8 17.8%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m170,0271,905,936 8.9%   
No. of employees `00037.635.7 105.2%   
Total wages & salary Rs m33,32243,809 76.1%   
Avg. income/employee Rs Th8,766.77,036.2 124.6%   
Avg. wages/employee Rs Th886.51,226.6 72.3%   
Avg. net profit/employee Rs Th-1,386.81,736.1 -79.9%   
INCOME DATA
Interest income Rs m329,516251,311 131.1%  
Other income Rs m54,621136,822 39.9%   
Interest expense Rs m234,709124,669 188.3%   
Net interest income Rs m94,807126,642 74.9%  
Operating expense Rs m73,508161,635 45.5%   
Gross profit Rs m21,298-34,993 -60.9%  
Gross profit margin %6.5-13.9 -46.4%  
Provisions/contingencies Rs m142,06310,247 1,386.3%   
Profit before tax Rs m-66,06291,582 -72.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-567 0.0%   
Prior Period Items Rs m01,105 0.0%   
Tax Rs m-13,93830,111 -46.3%   
Profit after tax Rs m-52,12562,010 -84.1%  
Net profit margin %-15.824.7 -64.1%  
BALANCE SHEET DATA
Advances Rs m2,905,7152,059,973 141.1%   
Deposits Rs m4,102,8841,912,358 214.5%  
Credit/Deposit ratio x70.8107.7 65.7%  
Yield on advances %7.98.9 88.2%   
Cost of deposits %5.34.6 113.7%   
Net Interest Margin %2.03.9 51.7%  
Net fixed assets Rs m38,46117,498 219.8%   
Share capital Rs m11,6869,528 122.6%   
Free reserves Rs m228,925419,105 54.6%   
Net worth Rs m252,518504,861 50.0%   
Borrowings Rs m456,804586,040 77.9%   
Investments Rs m1,255,107909,766 138.0%   
Total assets Rs m4,911,4643,377,205 145.4%  
Debt/equity ratio x18.14.9 364.9%   
Return on assets %-1.11.8 -57.8%  
Return on equity %-20.612.3 -168.1%  
Capital adequacy ratio %11.518.2 63.2%  
Net NPAs %8.41.0 842.0%  
CASH FLOW
From Operations Rs m60,893-103,924 -58.6%  
From Investments Rs m-3,068-56,083 5.5%  
From Financial Activity Rs m107,919146,794 73.5%  
Net Cashflow Rs m165,744-11,879 -1,395.2%  

Share Holding

Indian Promoters % 60.1 43.6 137.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 1.9 873.7%  
FIIs % 8.5 31.7 26.8%  
ADR/GDR % 0.0 0.2 -  
Free float % 14.8 22.7 65.2%  
Shareholders   235,817 64,886 363.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   IDFC BANK LTD  KARNATAKA BANK  INDIAN OVERSEAS BANK  YES BANK  PUNJAB & SIND BANK  

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



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