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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 -1.3 -1.1 - View Chart
P/BV x 0.1 0.3 54.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   PNB
EQUITY SHARE DATA
    UNION BANK
Mar-19
PNB
Mar-19
UNION BANK/
PNB
5-Yr Chart
Click to enlarge
High Rs106105 100.6%   
Low Rs6160 102.7%   
Income per share (Unadj.) Rs194.6113.3 171.8%  
Earnings per share (Unadj.) Rs-16.6-21.8 76.1%  
Cash flow per share (Unadj.) Rs-42.9-53.9 79.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs151.698.9 153.4%  
Shares outstanding (eoy) m1,763.024,604.05 38.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.7 59.0%   
Avg P/E ratio x-5.0-3.8 133.1%  
Avg P/CF ratio x1.73.4 50.2%  
Avg Price/Bookvalue ratio x0.60.8 66.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m147,388379,834 38.8%   
No. of employees `00037.370.8 52.6%   
Total wages & salary Rs m32,37270,475 45.9%   
Avg. income/employee Rs Th9,208.87,364.4 125.0%   
Avg. wages/employee Rs Th868.8995.3 87.3%   
Avg. net profit/employee Rs Th-784.3-1,416.0 55.4%   
INCOME DATA
Interest income Rs m343,137521,471 65.8%  
Other income Rs m50,41773,674 68.4%   
Interest expense Rs m238,961346,557 69.0%   
Net interest income Rs m104,176174,915 59.6%  
Operating expense Rs m78,562116,893 67.2%   
Gross profit Rs m25,61458,022 44.1%  
Gross profit margin %7.511.1 67.1%  
Provisions/contingencies Rs m115,157211,381 54.5%   
Profit before tax Rs m-39,016-149,085 26.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-4,563 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-9,792-53,384 18.3%   
Profit after tax Rs m-29,224-100,264 29.1%  
Net profit margin %-8.5-19.2 44.3%  
BALANCE SHEET DATA
Advances Rs m2,987,8014,624,162 64.6%   
Deposits Rs m4,175,0486,818,742 61.2%  
Credit/Deposit ratio x71.667.8 105.5%  
Yield on advances %8.07.7 104.3%   
Cost of deposits %5.34.7 111.7%   
Net Interest Margin %2.22.3 94.9%  
Net fixed assets Rs m37,74562,476 60.4%   
Share capital Rs m17,6309,208 191.5%   
Free reserves Rs m249,686445,973 56.0%   
Net worth Rs m267,317455,181 58.7%   
Borrowings Rs m432,756468,280 92.4%   
Investments Rs m1,283,9122,097,230 61.2%   
Total assets Rs m4,985,8057,892,658 63.2%  
Debt/equity ratio x17.216.0 107.7%   
Return on assets %-0.6-1.3 46.1%  
Return on equity %-10.9-22.0 49.6%  
Capital adequacy ratio %11.89.7 121.1%  
Net NPAs %6.96.6 104.4%  
CASH FLOW
From Operations Rs m-77,784-341,580 22.8%  
From Investments Rs m-2,9712,248 -132.2%  
From Financial Activity Rs m17,582137,410 12.8%  
Net Cashflow Rs m-63,173-201,922 31.3%  

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:   SYNDICATE BANK  CITY UNION BANK  BANK OF BARODA  ALLAHABAD BANK  J&K BANK  

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



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Related Views on News

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For 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, 2019

For 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.

PNB Announces Quarterly Results (4QFY19); Net Profit Up 64.6% (Quarterly Result Update)

May 30, 2019 | Updated on May 30, 2019

For the quarter ended March 2019, PNB has posted a net profit of Rs 47 bn (up 64.6% YoY). Sales on the other hand came in at Rs 128 bn (up 12.7% YoY). Read on for a complete analysis of PNB's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

PNB Announces Quarterly Results (3QFY19); Net Profit Down 1189.6% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, PNB has posted a net profit of Rs 25 bn (down 1189.6% YoY). Sales on the other hand came in at Rs 130 bn (up 7.1% YoY). Read on for a complete analysis of PNB's quarterly results.

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