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Compare Union Bank with PNB - Equitymaster
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UNION BANK vs PNB - 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

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    UNION BANK PNB UNION BANK/
PNB
 
P/E (TTM) x 15.7 -20.0 - View Chart
P/BV x 0.4 0.7 56.3% View Chart
Dividend Yield % 1.5 0.0 -  

Financials

 UNION BANK   PNB
EQUITY SHARE DATA
    UNION BANK
Mar-16
PNB
Mar-16
UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs223167 133.3%   
Low Rs10471 146.0%   
Income per share (Unadj.) Rs470.1258.7 181.7%  
Earnings per share (Unadj.) Rs19.7-19.6 -100.9%  
Cash flow per share (Unadj.) Rs67.4-60.5 -111.4%  
Dividends per share (Unadj.) Rs1.950-  
Avg Dividend yield %1.20-  
Book value per share (Unadj.) Rs335.3212.9 157.5%  
Shares outstanding (eoy) m687.441,963.60 35.0%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.30.5 75.5%   
Avg P/E ratio x8.3-6.1 -136.0%  
Avg P/CF ratio x2.11.8 118.7%  
Avg Price/Bookvalue ratio x0.50.6 87.1%  
Dividend payout %9.90-   
Avg Mkt Cap Rs m112,259233,865 48.0%   
No. of employees `00035.570.8 50.1%   
Total wages & salary Rs m37,68165,645 57.4%   
Avg. income/employee Rs Th9,109.97,175.6 127.0%   
Avg. wages/employee Rs Th1,062.2927.2 114.6%   
Avg. net profit/employee Rs Th382.5-542.8 -70.5%   
INCOME DATA
Interest income Rs m323,157508,039 63.6%  
Other income Rs m393,44369,766 563.9%   
Interest expense Rs m238,940343,306 69.6%   
Net interest income Rs m84,216164,733 51.1%  
Operating expense Rs m67,159103,499 64.9%   
Gross profit Rs m17,05761,234 27.9%  
Gross profit margin %5.312.1 43.8%  
Provisions/contingencies Rs m38,682167,633 23.1%   
Profit before tax Rs m17,769-52,931 -33.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90-1,797 -5.0%   
Prior Period Items Rs m00-   
Tax Rs m4,291-16,299 -26.3%   
Profit after tax Rs m13,569-38,430 -35.3%  
Net profit margin %4.2-7.6 -55.5%  
BALANCE SHEET DATA
Advances Rs m2,682,4964,460,830 60.1%   
Deposits Rs m3,441,1755,703,826 60.3%  
Credit/Deposit ratio x78.078.2 99.7%  
Yield on advances %8.88.4 105.6%   
Cost of deposits %6.45.4 119.6%   
Net Interest Margin %2.22.4 90.6%  
Net fixed assets Rs m39,51953,081 74.4%   
Share capital Rs m6,8743,927 175.0%   
Free reserves Rs m200,761295,310 68.0%   
Net worth Rs m230,481418,043 55.1%   
Borrowings Rs m306,366816,737 37.5%   
Investments Rs m905,7321,651,265 54.9%   
Total assets Rs m4,073,6467,127,930 57.2%  
Debt/equity ratio x16.315.6 104.2%   
Return on assets %0.3-0.5 -61.8%  
Return on equity %5.9-9.2 -64.0%  
Capital adequacy ratio %11.113.7 81.6%  
Net NPAs %5.38.6 61.0%  
CASH FLOW
From Operations Rs m82,741141,670 58.4%  
From Investments Rs m-8,718-13,515 64.5%  
From Financial Activity Rs m-3,88659,747 -6.5%  
Net Cashflow Rs m70,138187,902 37.3%  

Share Holding

Indian Promoters % 60.1 58.9 102.0%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 18.7 88.8%  
FIIs % 8.5 17.2 49.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 5.3 279.2%  
Shareholders   235,817 215,441 109.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   FEDERAL BANK  ORIENTAL BANK  BANK OF MAHARASHTRA  DENA BANK  YES BANK  

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



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