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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 -0.8 -25.9 - View Chart
P/BV x 0.1 0.1 81.4% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   PNB
EQUITY SHARE DATA
    UNION BANK
Mar-19
PNB
Mar-20
UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs106100 105.9%   
Low Rs6129 213.2%   
Income per share (Unadj.) Rs194.681.5 238.8%  
Earnings per share (Unadj.) Rs-16.60.7 -2,547.2%  
Cash flow per share (Unadj.) Rs-42.9-3.3 1,309.9%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs151.694.8 159.9%  
Shares outstanding (eoy) m1,763.026,737.57 26.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.8 54.4%   
Avg P/E ratio x-5.098.9 -5.1%  
Avg P/CF ratio x1.72.8 62.1%  
Avg Price/Bookvalue ratio x0.60.7 81.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m147,388433,563 34.0%   
No. of employees `00037.368.8 54.2%   
Total wages & salary Rs m32,37270,600 45.9%   
Avg. income/employee Rs Th9,208.87,984.5 115.3%   
Avg. wages/employee Rs Th868.81,026.4 84.6%   
Avg. net profit/employee Rs Th-784.363.7 -1,230.3%   
INCOME DATA
Interest income Rs m343,137549,185 62.5%  
Other income Rs m50,41793,877 53.7%   
Interest expense Rs m238,961369,975 64.6%   
Net interest income Rs m104,176179,210 58.1%  
Operating expense Rs m78,562121,505 64.7%   
Gross profit Rs m25,61457,705 44.4%  
Gross profit margin %7.510.5 71.0%  
Provisions/contingencies Rs m115,157152,585 75.5%   
Profit before tax Rs m-39,01610,237 -381.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,216 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-9,7924,637 -211.2%   
Profit after tax Rs m-29,2244,385 -666.5%  
Net profit margin %-8.50.8 -1,066.8%  
BALANCE SHEET DATA
Advances Rs m2,987,8014,768,533 62.7%   
Deposits Rs m4,175,0487,102,544 58.8%  
Credit/Deposit ratio x71.667.1 106.6%  
Yield on advances %8.07.6 105.4%   
Cost of deposits %5.34.9 109.0%   
Net Interest Margin %2.22.2 99.9%  
Net fixed assets Rs m37,74572,620 52.0%   
Share capital Rs m17,63013,475 130.8%   
Free reserves Rs m249,686625,289 39.9%   
Net worth Rs m267,317638,764 41.8%   
Borrowings Rs m432,756625,124 69.2%   
Investments Rs m1,283,9122,537,825 50.6%   
Total assets Rs m4,985,8058,514,573 58.6%  
Debt/equity ratio x17.212.1 142.5%   
Return on assets %-0.60.1 -1,138.3%  
Return on equity %-10.90.7 -1,592.7%  
Capital adequacy ratio %11.814.1 83.3%  
Net NPAs %6.95.8 118.5%  
CASH FLOW
From Operations Rs m-77,784-113,362 68.6%  
From Investments Rs m-2,971-15,159 19.6%  
From Financial Activity Rs m17,582135,571 13.0%  
Net Cashflow Rs m-63,1737,050 -896.1%  

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:   UNITED BANK OF INDIA  PUNJAB & SIND BANK  SOUTH IND.BANK  RBL BANK  CANARA BANK  

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



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May 6, 2021 (Close)

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