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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 -2.0 -1.3 - View Chart
P/BV x 0.2 0.2 84.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   ORIENTAL BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
ORIENTAL BANK
Mar-18
UNION BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs205191 107.4%   
Low Rs8684 102.4%   
Income per share (Unadj.) Rs282.0275.0 102.6%  
Earnings per share (Unadj.) Rs-44.6-92.8 48.1%  
Cash flow per share (Unadj.) Rs-115.2-194.4 59.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs216.1186.3 116.0%  
Shares outstanding (eoy) m1,168.57632.77 184.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.5 103.3%   
Avg P/E ratio x-3.3-1.5 220.3%  
Avg P/CF ratio x1.92.2 85.4%  
Avg Price/Bookvalue ratio x0.70.7 91.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m170,02786,943 195.6%   
No. of employees `00037.622.0 171.0%   
Total wages & salary Rs m33,32217,566 189.7%   
Avg. income/employee Rs Th8,766.77,916.9 110.7%   
Avg. wages/employee Rs Th886.5799.3 110.9%   
Avg. net profit/employee Rs Th-1,386.8-2,671.8 51.9%   
INCOME DATA
Interest income Rs m329,516173,989 189.4%  
Other income Rs m54,62127,824 196.3%   
Interest expense Rs m234,709128,881 182.1%   
Net interest income Rs m94,80745,108 210.2%  
Operating expense Rs m73,50835,900 204.8%   
Gross profit Rs m21,2989,208 231.3%  
Gross profit margin %6.55.3 122.1%  
Provisions/contingencies Rs m142,06397,976 145.0%   
Profit before tax Rs m-66,062-60,944 108.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,938-2,227 625.9%   
Profit after tax Rs m-52,125-58,717 88.8%  
Net profit margin %-15.8-33.7 46.9%  
BALANCE SHEET DATA
Advances Rs m2,905,7151,363,679 213.1%   
Deposits Rs m4,102,8842,073,461 197.9%  
Credit/Deposit ratio x70.865.8 107.7%  
Yield on advances %7.98.9 88.4%   
Cost of deposits %5.35.8 90.5%   
Net Interest Margin %2.02.1 99.3%  
Net fixed assets Rs m38,46125,496 150.8%   
Share capital Rs m11,6866,328 184.7%   
Free reserves Rs m228,925115,677 197.9%   
Net worth Rs m252,518117,868 214.2%   
Borrowings Rs m456,80496,941 471.2%   
Investments Rs m1,255,107699,023 179.6%   
Total assets Rs m4,911,4642,333,440 210.5%  
Debt/equity ratio x18.118.4 98.1%   
Return on assets %-1.1-2.5 42.2%  
Return on equity %-20.6-49.8 41.4%  
Capital adequacy ratio %11.510.5 109.5%  
Net NPAs %8.410.5 80.3%  
CASH FLOW
From Operations Rs m60,893-36,389 -167.3%  
From Investments Rs m-3,068-4,506 68.1%  
From Financial Activity Rs m107,9193,447 3,131.0%  
Net Cashflow Rs m165,744-37,448 -442.6%  

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:   ANDHRA BANK  SYNDICATE BANK  CORPORATION BANK  BANK OF MAHARASHTRA  SOUTH IND.BANK  

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



Today's Market

Sensex Ends 146 Points Lower; IT and Power Stocks Drag(Closing)

Indian share markets witnessed selling pressure during closing hours and ended their trading session marginally lower.Sectoral indices ended on a mixed note with realty stocks.

Related Views on News

ORIENTAL BANK Announces Quarterly Results (3QFY19); Net Profit Up 107.3% (Quarterly Result Update)

Jan 31, 2019 | Updated on Jan 31, 2019

For the quarter ended December 2018, ORIENTAL BANK has posted a net profit of Rs 1 bn (up 107.3% YoY). Sales on the other hand came in at Rs 46 bn (up 7.0% YoY). Read on for a complete analysis of ORIENTAL BANK's quarterly results.

UNION BANK Announces Quarterly Results (3QFY19); Net Profit Up 112.3% (Quarterly Result Update)

Jan 22, 2019 | Updated on Jan 22, 2019

For the quarter ended December 2018, UNION BANK has posted a net profit of Rs 2 bn (up 112.3% YoY). Sales on the other hand came in at Rs 85 bn (up 2.6% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

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Mar 12, 2018

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SBI: Pushed in Red on Increased Slippages and Higher Credit Costs (Quarterly Results Update - Detailed)

Feb 21, 2018

SBI posts loss on elevated bad loans and higher provisioning requirements.

ORIENTAL BANK Announces Quarterly Results (2QFY19); Net Profit Up 105.8% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, ORIENTAL BANK has posted a net profit of Rs 1 bn (up 105.8% YoY). Sales on the other hand came in at Rs 43 bn (down 3.7% YoY). Read on for a complete analysis of ORIENTAL BANK's quarterly results.

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