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UNION BANK vs RBL BANK - Comparison Results

Rs 100 invested in...

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Current Valuations

    UNION BANK RBL BANK UNION BANK/
RBL BANK
 
P/E (TTM) x 8.9 12.2 73.0% View Chart
P/BV x 1.5 1.1 137.7% View Chart
Dividend Yield % 2.0 0.6 312.7%  

Financials

 UNION BANK   RBL BANK
EQUITY SHARE DATA
    UNION BANK
Mar-23
RBL BANK
Mar-23
UNION BANK/
RBL BANK
5-Yr Chart
Click to enlarge
High Rs96189 51.0%   
Low Rs3474 45.2%   
Income per share (Unadj.) Rs118.8159.3 74.6%  
Earnings per share (Unadj.) Rs12.515.3 81.2%  
Cash flow per share (Unadj.) Rs27.283.9 32.4%  
Dividends per share (Unadj.) Rs3.001.50 200.0%  
Avg Dividend yield %4.61.1 405.3%  
Book value per share (Unadj.) Rs115.3224.3 51.4%  
Shares outstanding (eoy) m6,834.75599.57 1,139.9%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x0.50.8 66.2%   
Avg P/E ratio x5.28.6 60.8%  
Avg P/CF ratio x1.73.5 49.2%  
Avg Price/Bookvalue ratio x0.60.6 96.0%  
Dividend payout %24.19.8 246.3%   
Avg Mkt Cap Rs m444,08878,948 562.5%   
No. of employees `000NANA-   
Total wages & salary Rs m125,24016,535 757.4%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m811,63295,496 849.9%  
Other income Rs m159,15425,069 634.9%   
Interest expense Rs m480,32846,786 1,026.6%   
Net interest income Rs m331,30348,709 680.2%  
Operating expense Rs m234,87351,348 457.4%   
Gross profit Rs m96,430-2,638 -3,654.9%  
Gross profit margin %11.9-2.8 -430.0%  
Provisions/contingencies Rs m171,28013,235 1,294.1%   
Profit before tax Rs m121,46512,211 994.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m8130-   
Tax Rs m37,1623,016 1,232.2%   
Profit after tax Rs m85,1179,195 925.6%  
Net profit margin %10.59.6 108.9%  
BALANCE SHEET DATA
Advances Rs m7,642,767701,864 1,088.9%   
Deposits Rs m11,203,219848,747 1,320.0%  
Credit/Deposit ratio x68.282.7 82.5%  
Yield on advances %7.410.8 69.2%   
Cost of deposits %4.04.7 83.9%   
Net Interest Margin %3.04.9 60.7%  
Net fixed assets Rs m88,2585,532 1,595.4%   
Share capital Rs m69,3885,996 1,157.3%   
Free reserves Rs m718,648128,511 559.2%   
Net worth Rs m788,035134,507 585.9%   
Borrowings Rs m427,366133,317 320.6%   
Investments Rs m3,437,270287,303 1,196.4%   
Total assets Rs m12,883,5711,158,057 1,112.5%  
Debt/equity ratio x14.87.3 202.1%   
Return on assets %0.70.8 83.2%  
Return on equity %10.86.8 158.0%  
Capital adequacy ratio %16.016.9 94.8%  
Net NPAs %1.71.1 154.5%  
CASH FLOW
From Operations Rs m61,114-110,312 -55.4%  
From Investments Rs m-25,611-2,336 1,096.6%  
From Financial Activity Rs m-106,54122,347 -476.8%  
Net Cashflow Rs m-71,038-90,301 78.7%  

Share Holding

Indian Promoters % 77.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.3 48.0 33.9%  
FIIs % 4.0 28.3 14.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 23.0 100.0 23.0%  
Shareholders   874,309 344,856 253.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   HDFC BANK    AXIS BANK    SBI    ICICI BANK    PNB    


More on Union Bank vs RBL BANK

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

Union Bank vs RBL BANK Share Price Performance

Period Union Bank RBL BANK S&P BSE BANKEX
1-Day 1.42% 0.69% 0.82%
1-Month 9.02% -6.23% 2.48%
1-Year 149.11% 77.87% 19.28%
3-Year CAGR 65.10% 4.87% 12.00%
5-Year CAGR 9.71% -18.91% 9.40%

* Compound Annual Growth Rate

Here are more details on the Union Bank share price and the RBL BANK share price.

Moving on to shareholding structures...

The promoters of Union Bank hold a 77.0% stake in the company. In case of RBL BANK the stake stands at 0.0%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of Union Bank and the shareholding pattern of RBL BANK.

Finally, a word on dividends...

In the most recent financial year, Union Bank paid a dividend of Rs 3.0 per share. This amounted to a Dividend Payout ratio of 24.1%.

RBL BANK paid Rs 1.5, and its dividend payout ratio stood at 9.8%.

You may visit here to review the dividend history of Union Bank, and the dividend history of RBL BANK.

For a sector overview, read our banking sector report.



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