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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 -1.1 -99.4 - View Chart
P/BV x 0.2 1.0 24.5% View Chart
Dividend Yield % 0.0 1.0 -  

Financials

 UNION BANK   SBI
EQUITY SHARE DATA
    UNION BANK
Mar-17
SBI
Mar-17
UNION BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs173294 58.7%   
Low Rs105167 62.7%   
Income per share (Unadj.) Rs477.4289.0 165.2%  
Earnings per share (Unadj.) Rs8.30.3 2,753.7%  
Cash flow per share (Unadj.) Rs4.334.6 12.4%  
Dividends per share (Unadj.) Rs02.60 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs342.9272.4 125.9%  
Shares outstanding (eoy) m687.447,974.33 8.6%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.30.8 36.4%   
Avg P/E ratio x16.6761.8 2.2%  
Avg P/CF ratio x1.23.0 41.6%  
Avg Price/Bookvalue ratio x0.40.8 47.8%  
Dividend payout %0859.5 0.0%   
Avg Mkt Cap Rs m95,2791,837,684 5.2%   
No. of employees `00036.9209.6 17.6%   
Total wages & salary Rs m35,094356,912 9.8%   
Avg. income/employee Rs Th8,899.010,996.4 80.9%   
Avg. wages/employee Rs Th951.71,703.1 55.9%   
Avg. net profit/employee Rs Th155.311.5 1,349.0%   
INCOME DATA
Interest income Rs m328,1702,304,475 14.2%  
Other income Rs m54,300681,930 8.0%   
Interest expense Rs m237,7631,491,147 15.9%   
Net interest income Rs m90,407813,328 11.1%  
Operating expense Rs m70,213872,901 8.0%   
Gross profit Rs m20,194-59,573 -33.9%  
Gross profit margin %6.2-2.6 -238.0%  
Provisions/contingencies Rs m70,906612,909 11.6%   
Profit before tax Rs m3,6479,448 38.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m03,386 0.0%   
Prior Period Items Rs m02,933 0.0%   
Tax Rs m-2,08013,355 -15.6%   
Profit after tax Rs m5,7272,412 237.4%  
Net profit margin %1.70.1 1,667.0%  
BALANCE SHEET DATA
Advances Rs m2,879,49818,968,868 15.2%   
Deposits Rs m3,796,87325,998,107 14.6%  
Credit/Deposit ratio x75.873.0 103.9%  
Yield on advances %8.08.3 96.7%   
Cost of deposits %5.85.3 108.6%   
Net Interest Margin %2.12.5 81.8%  
Net fixed assets Rs m39,054509,407 7.7%   
Share capital Rs m6,8747,974 86.2%   
Free reserves Rs m207,1412,163,948 9.6%   
Net worth Rs m235,7112,171,922 10.9%   
Borrowings Rs m412,2553,363,657 12.3%   
Investments Rs m1,134,41310,272,809 11.0%   
Total assets Rs m4,556,68734,451,216 13.2%  
Debt/equity ratio x17.913.5 132.1%   
Return on assets %0.10 1,794.8%  
Return on equity %2.40.1 2,187.4%  
Capital adequacy ratio %12.913.6 95.2%  
Net NPAs %6.63.7 177.1%  
CASH FLOW
From Operations Rs m-356774,060 -0.0%  
From Investments Rs m-2,802-28,321 9.9%  
From Financial Activity Rs m36,049-41,965 -85.9%  
Net Cashflow Rs m32,891703,774 4.7%  

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:   KARUR VYSYA BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  YES BANK  CANARA BANK  

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



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May 24, 2018 (Close)

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