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Compare Union Bank with SBI - Equitymaster
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UNION BANK vs SBI - 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

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    UNION BANK SBI UNION BANK/
SBI
 
P/E (TTM) x 15.5 21.6 71.7% View Chart
P/BV x 0.4 1.2 30.4% View Chart
Dividend Yield % 1.5 0.9 158.3%  

Financials

 UNION BANK   SBI
EQUITY SHARE DATA
    UNION BANK
Mar-16
SBI
Mar-16
UNION BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs223305 73.0%   
Low Rs104148 70.2%   
Income per share (Unadj.) Rs470.1285.8 164.5%  
Earnings per share (Unadj.) Rs19.715.7 125.4%  
Cash flow per share (Unadj.) Rs67.468.8 97.9%  
Dividends per share (Unadj.) Rs1.952.60 75.0%  
Avg Dividend yield %1.21.1 104.1%  
Book value per share (Unadj.) Rs335.3232.6 144.1%  
Shares outstanding (eoy) m687.447,763.60 8.9%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.8 43.8%   
Avg P/E ratio x8.314.4 57.5%  
Avg P/CF ratio x2.13.5 61.2%  
Avg Price/Bookvalue ratio x0.51.0 50.0%  
Dividend payout %9.916.5 59.8%   
Avg Mkt Cap Rs m112,2591,759,620 6.4%   
No. of employees `00035.5207.7 17.1%   
Total wages & salary Rs m37,681325,256 11.6%   
Avg. income/employee Rs Th9,109.910,679.5 85.3%   
Avg. wages/employee Rs Th1,062.21,565.7 67.8%   
Avg. net profit/employee Rs Th382.5588.5 65.0%   
INCOME DATA
Interest income Rs m323,1572,218,548 14.6%  
Other income Rs m393,443510,162 77.1%   
Interest expense Rs m238,9401,430,474 16.7%   
Net interest income Rs m84,216788,075 10.7%  
Operating expense Rs m67,159737,171 9.1%   
Gross profit Rs m17,05750,904 33.5%  
Gross profit margin %5.32.3 230.0%  
Provisions/contingencies Rs m38,682379,298 10.2%   
Profit before tax Rs m17,769181,768 9.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90-7,945 -1.1%   
Prior Period Items Rs m02,758 0.0%   
Tax Rs m4,29154,335 7.9%   
Profit after tax Rs m13,569122,246 11.1%  
Net profit margin %4.25.5 76.2%  
BALANCE SHEET DATA
Advances Rs m2,682,49618,702,609 14.3%   
Deposits Rs m3,441,17522,538,576 15.3%  
Credit/Deposit ratio x78.083.0 93.9%  
Yield on advances %8.88.4 105.2%   
Cost of deposits %6.45.9 109.2%   
Net Interest Margin %2.22.8 76.5%  
Net fixed assets Rs m39,519152,557 25.9%   
Share capital Rs m6,8747,763 88.6%   
Free reserves Rs m200,7611,063,251 18.9%   
Net worth Rs m230,4811,805,924 12.8%   
Borrowings Rs m306,3662,582,144 11.9%   
Investments Rs m905,7327,051,891 12.8%   
Total assets Rs m4,073,64629,708,976 13.7%  
Debt/equity ratio x16.313.9 116.9%   
Return on assets %0.30.4 80.9%  
Return on equity %5.96.8 87.0%  
Capital adequacy ratio %11.113.9 79.9%  
Net NPAs %5.33.8 137.8%  
CASH FLOW
From Operations Rs m82,741140,767 58.8%  
From Investments Rs m-8,718-36,686 23.8%  
From Financial Activity Rs m-3,88643,485 -8.9%  
Net Cashflow Rs m70,138147,566 47.5%  

Share Holding

Indian Promoters % 60.1 58.6 102.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 20.9 79.4%  
FIIs % 8.5 9.7 87.6%  
ADR/GDR % 0.0 2.1 -  
Free float % 14.8 8.7 170.1%  
Shareholders   235,817 855,889 27.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   CANARA BANK  ANDHRA BANK  J&K BANK  KARNATAKA BANK  VIJAYA BANK  

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



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Aug 18, 2017 (Close)

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