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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 -1.1 41.8 - View Chart
P/BV x 0.2 6.1 3.9% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    UNION BANK
Mar-17
KOTAK MAH. BANK
Mar-17
UNION BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs173885 19.5%   
Low Rs105656 15.9%   
Income per share (Unadj.) Rs477.4121.3 393.7%  
Earnings per share (Unadj.) Rs8.326.8 31.0%  
Cash flow per share (Unadj.) Rs4.3112.0 3.8%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs342.9209.1 164.0%  
Shares outstanding (eoy) m687.441,840.90 37.3%   
Bonus/Rights/Conversions -B-  
Avg Price / Income ratio x0.36.4 4.6%   
Avg P/E ratio x16.628.7 57.9%  
Avg P/CF ratio x1.224.1 5.2%  
Avg Price/Bookvalue ratio x0.43.7 11.0%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m95,2791,418,782 6.7%   
No. of employees `00036.944.0 83.8%   
Total wages & salary Rs m35,09439,823 88.1%   
Avg. income/employee Rs Th8,899.05,073.7 175.4%   
Avg. wages/employee Rs Th951.7905.1 105.1%   
Avg. net profit/employee Rs Th155.31,122.8 13.8%   
INCOME DATA
Interest income Rs m328,170223,242 147.0%  
Other income Rs m54,300116,596 46.6%   
Interest expense Rs m237,763114,576 207.5%   
Net interest income Rs m90,407108,667 83.2%  
Operating expense Rs m70,213142,454 49.3%   
Gross profit Rs m20,194-33,788 -59.8%  
Gross profit margin %6.2-15.1 -40.7%  
Provisions/contingencies Rs m70,9069,489 747.2%   
Profit before tax Rs m3,64773,319 5.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-788 0.0%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m-2,08023,829 -8.7%   
Profit after tax Rs m5,72749,404 11.6%  
Net profit margin %1.722.1 7.9%  
BALANCE SHEET DATA
Advances Rs m2,879,4981,671 172,290.9%   
Deposits Rs m3,796,8731,555 244,109.1%  
Credit/Deposit ratio x75.8107.5 70.6%  
Yield on advances %8.09,944.3 0.1%   
Cost of deposits %5.85,183.7 0.1%   
Net Interest Margin %2.111.5 18.0%  
Net fixed assets Rs m39,05417,552 222.5%   
Share capital Rs m6,8749,205 74.7%   
Free reserves Rs m207,141312,282 66.3%   
Net worth Rs m235,711384,908 61.2%   
Borrowings Rs m412,255496,899 83.0%   
Investments Rs m1,134,413684,615 165.7%   
Total assets Rs m4,556,6872,761,876 165.0%  
Debt/equity ratio x17.91.3 1,378.9%   
Return on assets %0.11.8 7.0%  
Return on equity %2.412.8 18.9%  
Capital adequacy ratio %12.916.8 76.8%  
Net NPAs %6.61.3 505.4%  
CASH FLOW
From Operations Rs m-356132,020 -0.3%  
From Investments Rs m-2,802-52,681 5.3%  
From Financial Activity Rs m36,04960,553 59.5%  
Net Cashflow Rs m32,891139,891 23.5%  

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:   DCB BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  YES BANK  CANARA BANK  

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



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May 21, 2018 (Close)

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