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Compare Union Bank with Punjab & Sind Bank - Equitymaster

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UNION BANK vs PUNJAB & SIND 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

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Current Valuations

    UNION BANK PUNJAB & SIND BANK UNION BANK/
PUNJAB & SIND BANK
 
P/E (TTM) x -1.1 -1.7 - View Chart
P/BV x 0.2 0.2 110.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
PUNJAB & SIND BANK
Mar-17
UNION BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs20559 350.4%   
Low Rs8634 251.5%   
Income per share (Unadj.) Rs282.0204.1 138.2%  
Earnings per share (Unadj.) Rs-44.65.0 -888.2%  
Cash flow per share (Unadj.) Rs-115.218.8 -611.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs216.1153.4 140.9%  
Shares outstanding (eoy) m1,168.57400.41 291.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.50.2 227.2%   
Avg P/E ratio x-3.39.2 -35.3%  
Avg P/CF ratio x1.91.6 121.5%  
Avg Price/Bookvalue ratio x0.70.3 222.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m170,02718,559 916.1%   
No. of employees `00037.69.4 399.9%   
Total wages & salary Rs m33,3229,901 336.5%   
Avg. income/employee Rs Th8,766.78,694.5 100.8%   
Avg. wages/employee Rs Th886.51,053.3 84.2%   
Avg. net profit/employee Rs Th-1,386.8213.9 -648.3%   
INCOME DATA
Interest income Rs m329,51681,729 403.2%  
Other income Rs m54,6215,781 944.8%   
Interest expense Rs m234,70960,135 390.3%   
Net interest income Rs m94,80721,593 439.1%  
Operating expense Rs m73,50814,956 491.5%   
Gross profit Rs m21,2986,638 320.9%  
Gross profit margin %6.58.1 79.6%  
Provisions/contingencies Rs m142,0639,914 1,433.0%   
Profit before tax Rs m-66,0622,505 -2,637.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,938494 -2,821.9%   
Profit after tax Rs m-52,1252,011 -2,592.2%  
Net profit margin %-15.82.5 -642.9%  
BALANCE SHEET DATA
Advances Rs m2,905,715583,345 498.1%   
Deposits Rs m4,102,884855,402 479.6%  
Credit/Deposit ratio x70.868.2 103.9%  
Yield on advances %7.99.7 80.8%   
Cost of deposits %5.36.8 77.3%   
Net Interest Margin %2.02.4 85.7%  
Net fixed assets Rs m38,46110,954 351.1%   
Share capital Rs m11,6864,004 291.8%   
Free reserves Rs m228,92532,842 697.0%   
Net worth Rs m252,51861,425 411.1%   
Borrowings Rs m456,80429,584 1,544.1%   
Investments Rs m1,255,107279,485 449.1%   
Total assets Rs m4,911,464966,434 508.2%  
Debt/equity ratio x18.114.4 125.3%   
Return on assets %-1.10.2 -510.1%  
Return on equity %-20.63.3 -630.6%  
Capital adequacy ratio %11.511.1 104.1%  
Net NPAs %8.47.5 112.1%  
CASH FLOW
From Operations Rs m60,893-5,089 -1,196.7%  
From Investments Rs m-3,068-198 1,546.1%  
From Financial Activity Rs m107,9192,159 4,998.6%  
Net Cashflow Rs m165,744-3,128 -5,298.9%  

Share Holding

Indian Promoters % 60.1 79.6 75.5%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 10.8 153.7%  
FIIs % 8.5 1.8 472.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 7.8 189.7%  
Shareholders   235,817 150,895 156.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   ICICI BANK  DENA BANK  KOTAK MAH. BANK  CITY UNION BANK  BANK OF BARODA  

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



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