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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 -1.1 -0.4 - View Chart
P/BV x 0.3 0.2 139.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   ORIENTAL BANK
EQUITY SHARE DATA
    UNION BANK
Mar-17
ORIENTAL BANK
Mar-17
UNION BANK/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs173149 116.1%   
Low Rs10577 136.1%   
Income per share (Unadj.) Rs477.4532.2 89.7%  
Earnings per share (Unadj.) Rs8.3-31.3 -26.7%  
Cash flow per share (Unadj.) Rs4.3-106.9 -4.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs342.9407.9 84.1%  
Shares outstanding (eoy) m687.44346.17 198.6%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.30.2 137.0%   
Avg P/E ratio x16.6-3.6 -461.0%  
Avg P/CF ratio x1.20.8 146.8%  
Avg Price/Bookvalue ratio x0.40.3 146.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m95,27939,048 244.0%   
No. of employees `00036.921.6 171.1%   
Total wages & salary Rs m35,09420,993 167.2%   
Avg. income/employee Rs Th8,899.08,547.9 104.1%   
Avg. wages/employee Rs Th951.7974.1 97.7%   
Avg. net profit/employee Rs Th155.3-502.0 -30.9%   
INCOME DATA
Interest income Rs m328,170184,223 178.1%  
Other income Rs m54,30027,655 196.3%   
Interest expense Rs m237,763135,128 176.0%   
Net interest income Rs m90,40749,095 184.1%  
Operating expense Rs m70,21335,049 200.3%   
Gross profit Rs m20,19414,046 143.8%  
Gross profit margin %6.27.6 80.7%  
Provisions/contingencies Rs m70,90656,933 124.5%   
Profit before tax Rs m3,647-15,110 -24.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-2,080-4,291 48.5%   
Profit after tax Rs m5,727-10,819 -52.9%  
Net profit margin %1.7-5.9 -29.7%  
BALANCE SHEET DATA
Advances Rs m2,879,4981,577,060 182.6%   
Deposits Rs m3,796,8732,193,394 173.1%  
Credit/Deposit ratio x75.871.9 105.5%  
Yield on advances %8.08.1 98.4%   
Cost of deposits %5.85.8 99.4%   
Net Interest Margin %2.12.1 99.4%  
Net fixed assets Rs m39,05423,585 165.6%   
Share capital Rs m6,8743,462 198.6%   
Free reserves Rs m207,14182,733 250.4%   
Net worth Rs m235,711141,214 166.9%   
Borrowings Rs m412,255145,922 282.5%   
Investments Rs m1,134,413592,293 191.5%   
Total assets Rs m4,556,6872,530,647 180.1%  
Debt/equity ratio x17.916.6 107.8%   
Return on assets %0.1-0.4 -29.4%  
Return on equity %2.4-7.7 -31.7%  
Capital adequacy ratio %12.911.6 110.9%  
Net NPAs %6.69.0 73.3%  
CASH FLOW
From Operations Rs m-35671,230 -0.5%  
From Investments Rs m-2,802-2,135 131.2%  
From Financial Activity Rs m36,0495,543 650.3%  
Net Cashflow Rs m32,89174,638 44.1%  

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:   FEDERAL BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  UNITED BANK OF INDIA  ALLAHABAD BANK  

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



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