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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 -1.5 -16.0 - View Chart
P/BV x 0.2 1.0 21.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   SBI
EQUITY SHARE DATA
    UNION BANK
Mar-18
SBI
Mar-18
UNION BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs205337 60.8%   
Low Rs86235 36.7%   
Income per share (Unadj.) Rs282.0256.6 109.9%  
Earnings per share (Unadj.) Rs-44.6-5.1 873.7%  
Cash flow per share (Unadj.) Rs-115.211.4 -1,008.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs216.1258.1 83.7%  
Shares outstanding (eoy) m1,168.578,924.59 13.1%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.51.1 46.3%   
Avg P/E ratio x-3.3-56.0 5.8%  
Avg P/CF ratio x1.93.6 51.9%  
Avg Price/Bookvalue ratio x0.71.1 60.8%  
Dividend payout %00-   
Avg Mkt Cap Rs m170,0272,552,433 6.7%   
No. of employees `00037.6264.0 14.2%   
Total wages & salary Rs m33,322354,106 9.4%   
Avg. income/employee Rs Th8,766.78,671.8 101.1%   
Avg. wages/employee Rs Th886.51,341.1 66.1%   
Avg. net profit/employee Rs Th-1,386.8-172.6 803.6%   
INCOME DATA
Interest income Rs m329,5162,289,703 14.4%  
Other income Rs m54,621775,572 7.0%   
Interest expense Rs m234,7091,466,030 16.0%   
Net interest income Rs m94,807823,673 11.5%  
Operating expense Rs m73,508961,544 7.6%   
Gross profit Rs m21,298-137,871 -15.4%  
Gross profit margin %6.5-6.0 -107.3%  
Provisions/contingencies Rs m142,063746,816 19.0%   
Profit before tax Rs m-66,062-109,114 60.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-8,070 0.0%   
Prior Period Items Rs m04,382 0.0%   
Tax Rs m-13,938-67,240 20.7%   
Profit after tax Rs m-52,125-45,563 114.4%  
Net profit margin %-15.8-2.0 794.9%  
BALANCE SHEET DATA
Advances Rs m2,905,71519,601,185 14.8%   
Deposits Rs m4,102,88427,221,783 15.1%  
Credit/Deposit ratio x70.872.0 98.4%  
Yield on advances %7.97.4 106.4%   
Cost of deposits %5.35.0 105.2%   
Net Interest Margin %2.02.5 82.6%  
Net fixed assets Rs m38,461412,258 9.3%   
Share capital Rs m11,6868,925 130.9%   
Free reserves Rs m228,9252,294,295 10.0%   
Net worth Rs m252,5182,303,220 11.0%   
Borrowings Rs m456,8043,690,793 12.4%   
Investments Rs m1,255,10711,837,942 10.6%   
Total assets Rs m4,911,46436,164,330 13.6%  
Debt/equity ratio x18.113.4 134.5%   
Return on assets %-1.1-0.1 842.4%  
Return on equity %-20.6-2.0 1,043.5%  
Capital adequacy ratio %11.512.7 90.3%  
Net NPAs %8.45.7 146.9%  
CASH FLOW
From Operations Rs m60,893-965,079 -6.3%  
From Investments Rs m-3,068110,658 -2.8%  
From Financial Activity Rs m107,91955,472 194.5%  
Net Cashflow Rs m165,744-779,081 -21.3%  

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:   INDUSIND BANK  ICICI BANK  FEDERAL BANK  SYNDICATE BANK  CORPORATION BANK  

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



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