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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 15.5 34.6 44.8% View Chart
P/BV x 0.4 4.7 7.8% View Chart
Dividend Yield % 1.5 0.1 2,415.3%  

Financials

 UNION BANK   KOTAK MAH. BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
KOTAK MAH. BANK
Mar-17
UNION BANK/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs223885 25.1%   
Low Rs104656 15.9%   
Income per share (Unadj.) Rs470.1121.3 387.6%  
Earnings per share (Unadj.) Rs19.726.8 73.5%  
Cash flow per share (Unadj.) Rs67.4112.0 60.2%  
Dividends per share (Unadj.) Rs1.950.60 325.0%  
Avg Dividend yield %1.20.1 1,533.8%  
Book value per share (Unadj.) Rs335.3209.1 160.4%  
Shares outstanding (eoy) m687.441,840.90 37.3%   
Bonus/Rights/Conversions PIB-  
Avg Price / Income ratio x0.36.4 5.5%   
Avg P/E ratio x8.328.7 28.8%  
Avg P/CF ratio x2.124.1 8.9%  
Avg Price/Bookvalue ratio x0.53.7 13.2%  
Dividend payout %9.92.2 441.9%   
Avg Mkt Cap Rs m112,2591,418,782 7.9%   
No. of employees `00035.544.0 80.6%   
Total wages & salary Rs m37,68139,823 94.6%   
Avg. income/employee Rs Th9,109.95,073.7 179.6%   
Avg. wages/employee Rs Th1,062.2905.1 117.4%   
Avg. net profit/employee Rs Th382.51,122.8 34.1%   
INCOME DATA
Interest income Rs m323,157223,242 144.8%  
Other income Rs m393,443116,596 337.4%   
Interest expense Rs m238,940114,576 208.5%   
Net interest income Rs m84,216108,667 77.5%  
Operating expense Rs m67,159142,454 47.1%   
Gross profit Rs m17,057-33,788 -50.5%  
Gross profit margin %5.3-15.1 -34.9%  
Provisions/contingencies Rs m38,6829,489 407.6%   
Profit before tax Rs m17,76973,319 24.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90-788 -11.5%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m4,29123,829 18.0%   
Profit after tax Rs m13,56949,404 27.5%  
Net profit margin %4.222.1 19.0%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,671 160,503.5%   
Deposits Rs m3,441,1751,555 221,240.5%  
Credit/Deposit ratio x78.0107.5 72.5%  
Yield on advances %8.89,944.3 0.1%   
Cost of deposits %6.45,183.7 0.1%   
Net Interest Margin %2.211.5 18.8%  
Net fixed assets Rs m39,51917,552 225.2%   
Share capital Rs m6,8749,205 74.7%   
Free reserves Rs m200,761312,282 64.3%   
Net worth Rs m230,481384,908 59.9%   
Borrowings Rs m306,366496,899 61.7%   
Investments Rs m905,732684,615 132.3%   
Total assets Rs m4,073,6462,761,876 147.5%  
Debt/equity ratio x16.31.3 1,255.6%   
Return on assets %0.31.8 18.6%  
Return on equity %5.912.8 45.9%  
Capital adequacy ratio %11.116.8 66.3%  
Net NPAs %5.31.3 403.8%  
CASH FLOW
From Operations Rs m82,741132,020 62.7%  
From Investments Rs m-8,718-52,681 16.5%  
From Financial Activity Rs m-3,88660,553 -6.4%  
Net Cashflow Rs m70,138139,891 50.1%  

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:   BANK OF INDIA  DENA BANK  YES BANK  J&K BANK  BANK OF BARODA  

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



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