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- UNION BANK - PNB
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 
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
Current Valuations
| UNION BANK | PNB | UNION BANK/ PNB |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | -0.8 | -24.2 | - | View Chart |
| P/BV | x | 0.1 | 0.1 | 82.8% | 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 | Rs | 106 | 100 | 105.9% | |
| Low | Rs | 61 | 29 | 213.2% | |
| Income per share (Unadj.) | Rs | 194.6 | 81.5 | 238.8% | |
| Earnings per share (Unadj.) | Rs | -16.6 | 0.7 | -2,547.2% | |
| Cash flow per share (Unadj.) | Rs | -42.9 | -3.3 | 1,309.9% | |
| Dividends per share (Unadj.) | Rs | 0 | 0 | - | |
| Avg Dividend yield | % | 0 | 0 | - | |
| Book value per share (Unadj.) | Rs | 151.6 | 94.8 | 159.9% | |
| Shares outstanding (eoy) | m | 1,763.02 | 6,737.57 | 26.2% | |
| Bonus/Rights/Conversions | - | - | - | ||
| Avg Price / Income ratio | x | 0.4 | 0.8 | 54.4% | |
| Avg P/E ratio | x | -5.0 | 98.9 | -5.1% | |
| Avg P/CF ratio | x | 1.7 | 2.8 | 62.1% | |
| Avg Price/Bookvalue ratio | x | 0.6 | 0.7 | 81.2% | |
| Dividend payout | % | 0 | 0 | - | |
| Avg Mkt Cap | Rs m | 147,388 | 433,563 | 34.0% | |
| No. of employees | `000 | 37.3 | 68.8 | 54.2% | |
| Total wages & salary | Rs m | 32,372 | 70,600 | 45.9% | |
| Avg. income/employee | Rs Th | 9,208.8 | 7,984.5 | 115.3% | |
| Avg. wages/employee | Rs Th | 868.8 | 1,026.4 | 84.6% | |
| Avg. net profit/employee | Rs Th | -784.3 | 63.7 | -1,230.3% | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 343,137 | 549,185 | 62.5% | |
| Other income | Rs m | 50,417 | 93,877 | 53.7% | |
| Interest expense | Rs m | 238,961 | 369,975 | 64.6% | |
| Net interest income | Rs m | 104,176 | 179,210 | 58.1% | |
| Operating expense | Rs m | 78,562 | 121,505 | 64.7% | |
| Gross profit | Rs m | 25,614 | 57,705 | 44.4% | |
| Gross profit margin | % | 7.5 | 10.5 | 71.0% | |
| Provisions/contingencies | Rs m | 115,157 | 152,585 | 75.5% | |
| Profit before tax | Rs m | -39,016 | 10,237 | -381.1% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | -1,216 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | -9,792 | 4,637 | -211.2% | |
| Profit after tax | Rs m | -29,224 | 4,385 | -666.5% | |
| Net profit margin | % | -8.5 | 0.8 | -1,066.8% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 2,987,801 | 4,768,533 | 62.7% | |
| Deposits | Rs m | 4,175,048 | 7,102,544 | 58.8% | |
| Credit/Deposit ratio | x | 71.6 | 67.1 | 106.6% | |
| Yield on advances | % | 8.0 | 7.6 | 105.4% | |
| Cost of deposits | % | 5.3 | 4.9 | 109.0% | |
| Net Interest Margin | % | 2.2 | 2.2 | 99.9% | |
| Net fixed assets | Rs m | 37,745 | 72,620 | 52.0% | |
| Share capital | Rs m | 17,630 | 13,475 | 130.8% | |
| Free reserves | Rs m | 249,686 | 625,289 | 39.9% | |
| Net worth | Rs m | 267,317 | 638,764 | 41.8% | |
| Borrowings | Rs m | 432,756 | 625,124 | 69.2% | |
| Investments | Rs m | 1,283,912 | 2,537,825 | 50.6% | |
| Total assets | Rs m | 4,985,805 | 8,514,573 | 58.6% | |
| Debt/equity ratio | x | 17.2 | 12.1 | 142.5% | |
| Return on assets | % | -0.6 | 0.1 | -1,138.3% | |
| Return on equity | % | -10.9 | 0.7 | -1,592.7% | |
| Capital adequacy ratio | % | 11.8 | 14.1 | 83.3% | |
| Net NPAs | % | 6.9 | 5.8 | 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 m | 17,582 | 135,571 | 13.0% | |
| Net Cashflow | Rs m | -63,173 | 7,050 | -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 | - |
Compare UNION BANK With: HDFC BANK FEDERAL BANK UNITED BANK OF INDIA BANK OF INDIA KOTAK MAHINDRA BANK
Compare UNION BANK With: DEUTSCHE BANK (Germany) WELLS FARGO (US)
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Related Views on News
SBI Share Price Down by 6%; BSE BANKEX Index Down 4.3% (Market Updates)
Apr 12, 2021 | Updated on Apr 12, 2021SBI share price is trading down by 6% and its current market price is Rs 345. The BSE BANKEX is down by 4.3%. The top losers are SBI (down 6.5%) and INDUSIND BANK (down 7.6%).
PNB Announces Quarterly Results (1QFY21); Net Profit Down 69.7% (Quarterly Result Update)
Aug 31, 2020 | Updated on Aug 31, 2020For the quarter ended June 2020, PNB has posted a net profit of Rs 3 bn (down 69.7% YoY). Sales on the other hand came in at Rs 206 bn (up 57.5% YoY). Read on for a complete analysis of PNB's quarterly results.
PNB Announces Quarterly Results (2QFY20); Net Profit Up 111.2% (Quarterly Result Update)
Nov 8, 2019 | Updated on Nov 8, 2019For the quarter ended September 2019, PNB has posted a net profit of Rs 5 bn (up 111.2% YoY). Sales on the other hand came in at Rs 133 bn (up 7.8% YoY). Read on for a complete analysis of PNB's quarterly results.
UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)
Aug 5, 2019 | Updated on Aug 5, 2019For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.
PNB Announces Quarterly Results (1QFY20); Net Profit Up 208.4% (Quarterly Result Update)
Jul 29, 2019 | Updated on Jul 29, 2019For the quarter ended June 2019, PNB has posted a net profit of Rs 10 bn (up 208.4% YoY). Sales on the other hand came in at Rs 131 bn (down 0.2% YoY). Read on for a complete analysis of PNB's quarterly results.
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