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Compare Union Bank with Oriental Bank - Equitymaster
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UNION BANK vs ORIENTAL 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

ORIENTAL BANK 
   Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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Current Valuations

    UNION BANK ORIENTAL BANK UNION BANK/
ORIENTAL BANK
 
P/E (TTM) x 15.2 2.4 621.8% View Chart
P/BV x 0.4 0.2 148.7% View Chart
Dividend Yield % 1.5 0.6 257.6%  

Financials

 UNION BANK   ORIENTAL BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
ORIENTAL BANK
Mar-16
UNION BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs223235 94.6%   
Low Rs10475 138.2%   
Income per share (Unadj.) Rs470.1624.1 75.3%  
Earnings per share (Unadj.) Rs19.76.2 319.6%  
Cash flow per share (Unadj.) Rs67.414.6 460.2%  
Dividends per share (Unadj.) Rs1.950.70 278.6%  
Avg Dividend yield %1.20.5 264.8%  
Book value per share (Unadj.) Rs335.3464.9 72.1%  
Shares outstanding (eoy) m687.44321.40 213.9%   
Bonus/Rights/Conversions PIOI-  
Avg Price / Income ratio x0.30.2 139.6%   
Avg P/E ratio x8.325.1 32.9%  
Avg P/CF ratio x2.11.4 153.1%  
Avg Price/Bookvalue ratio x0.50.3 145.8%  
Dividend payout %9.911.3 87.2%   
Avg Mkt Cap Rs m112,25949,897 225.0%   
No. of employees `00035.5NA-   
Total wages & salary Rs m37,68120,317 185.5%   
Avg. income/employee Rs Th9,109.9NM-  
Avg. wages/employee Rs Th1,062.2NM-  
Avg. net profit/employee Rs Th382.5N.A.-  
INCOME DATA
Interest income Rs m323,157200,587 161.1%  
Other income Rs m393,44317,663 2,227.5%   
Interest expense Rs m238,940146,841 162.7%   
Net interest income Rs m84,21653,746 156.7%  
Operating expense Rs m67,15934,588 194.2%   
Gross profit Rs m17,05719,158 89.0%  
Gross profit margin %5.39.6 55.3%  
Provisions/contingencies Rs m38,68233,562 115.3%   
Profit before tax Rs m17,7693,682 482.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2911,698 252.8%   
Profit after tax Rs m13,5691,985 683.6%  
Net profit margin %4.21.0 424.3%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,488,800 180.2%   
Deposits Rs m3,441,1752,089,148 164.7%  
Credit/Deposit ratio x78.071.3 109.4%  
Yield on advances %8.89.9 88.9%   
Cost of deposits %6.46.7 95.4%   
Net Interest Margin %2.22.4 90.6%  
Net fixed assets Rs m39,51922,719 173.9%   
Share capital Rs m6,8743,214 213.9%   
Free reserves Rs m200,76190,590 221.6%   
Net worth Rs m230,481149,411 154.3%   
Borrowings Rs m306,36678,974 387.9%   
Investments Rs m905,732656,578 137.9%   
Total assets Rs m4,073,6462,375,415 171.5%  
Debt/equity ratio x16.314.5 112.0%   
Return on assets %0.30.1 398.6%  
Return on equity %5.91.3 443.2%  
Capital adequacy ratio %11.111.8 94.7%  
Net NPAs %5.36.7 78.4%  
CASH FLOW
From Operations Rs m82,741-14,158 -584.4%  
From Investments Rs m-8,718-2,105 414.1%  
From Financial Activity Rs m-3,8868,130 -47.8%  
Net Cashflow Rs m70,138-8,134 -862.3%  

Share Holding

Indian Promoters % 60.1 59.1 101.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 24.0 69.2%  
FIIs % 8.5 9.9 85.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 7.0 211.4%  
Shareholders   235,817 114,330 206.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   UNITED BANK OF INDIA  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  KOTAK MAH. BANK  BANK OF MAHARASHTRA  

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



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Aug 22, 2017 03:36 PM

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