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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 15.5 5.8 265.3% View Chart
P/BV x 0.4 0.3 104.1% View Chart
Dividend Yield % 1.5 1.2 120.4%  

Financials

 UNION BANK   PUNJAB & SIND BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
PUNJAB & SIND BANK
Mar-15
UNION BANK/
PUNJAB & SIND BANK
5-Yr Chart
Click to enlarge
High Rs22384 265.2%   
Low Rs10444 237.7%   
Income per share (Unadj.) Rs470.1214.5 219.2%  
Earnings per share (Unadj.) Rs19.73.0 651.3%  
Cash flow per share (Unadj.) Rs67.421.3 316.3%  
Dividends per share (Unadj.) Rs1.950.60 325.0%  
Avg Dividend yield %1.20.9 127.1%  
Book value per share (Unadj.) Rs335.3139.8 239.9%  
Shares outstanding (eoy) m687.44400.41 171.7%   
Bonus/Rights/Conversions PIPA-  
Avg Price / Income ratio x0.30.3 116.7%   
Avg P/E ratio x8.321.1 39.3%  
Avg P/CF ratio x2.13.4 62.9%  
Avg Price/Bookvalue ratio x0.50.5 106.6%  
Dividend payout %9.919.8 49.9%   
Avg Mkt Cap Rs m112,25925,566 439.1%   
No. of employees `00035.59.2 386.4%   
Total wages & salary Rs m37,6818,743 431.0%   
Avg. income/employee Rs Th9,109.99,355.7 97.4%   
Avg. wages/employee Rs Th1,062.2952.4 111.5%   
Avg. net profit/employee Rs Th382.5132.2 289.4%   
INCOME DATA
Interest income Rs m323,15785,886 376.3%  
Other income Rs m393,4434,288 9,176.5%   
Interest expense Rs m238,94069,094 345.8%   
Net interest income Rs m84,21616,792 501.5%  
Operating expense Rs m67,15913,325 504.0%   
Gross profit Rs m17,0573,467 492.0%  
Gross profit margin %5.34.0 130.8%  
Provisions/contingencies Rs m38,6826,273 616.6%   
Profit before tax Rs m17,7691,481 1,199.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,291268 1,602.9%   
Profit after tax Rs m13,5691,214 1,118.1%  
Net profit margin %4.21.4 297.2%  
BALANCE SHEET DATA
Advances Rs m2,682,496638,702 420.0%   
Deposits Rs m3,441,175867,147 396.8%  
Credit/Deposit ratio x78.073.7 105.8%  
Yield on advances %8.810.0 88.5%   
Cost of deposits %6.47.7 83.1%   
Net Interest Margin %2.21.8 122.5%  
Net fixed assets Rs m39,5199,948 397.2%   
Share capital Rs m6,8744,004 171.7%   
Free reserves Rs m200,76131,061 646.3%   
Net worth Rs m230,48155,962 411.9%   
Borrowings Rs m306,36630,482 1,005.1%   
Investments Rs m905,732267,517 338.6%   
Total assets Rs m4,073,646977,534 416.7%  
Debt/equity ratio x16.316.0 101.4%   
Return on assets %0.30.1 268.3%  
Return on equity %5.92.2 271.5%  
Capital adequacy ratio %11.111.2 99.1%  
Net NPAs %5.33.6 147.9%  
CASH FLOW
From Operations Rs m82,741-19,816 -417.5%  
From Investments Rs m-8,718-845 1,031.8%  
From Financial Activity Rs m-3,886-392 990.7%  
Net Cashflow Rs m70,138-21,053 -333.1%  

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:   SOUTH IND.BANK  J&K BANK  DENA BANK  ANDHRA BANK  CITY UNION BANK  

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



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Aug 18, 2017 (Close)

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