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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 -1.5 306.4 - View Chart
P/BV x 0.2 1.1 15.2% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   SBI
EQUITY SHARE DATA
    UNION BANK
Mar-19
SBI
Mar-19
UNION BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs106321 33.0%   
Low Rs61233 26.3%   
Income per share (Unadj.) Rs194.6283.8 68.6%  
Earnings per share (Unadj.) Rs-16.62.6 -643.3%  
Cash flow per share (Unadj.) Rs-42.954.2 -79.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs151.6262.8 57.7%  
Shares outstanding (eoy) m1,763.028,924.59 19.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.41.0 44.0%   
Avg P/E ratio x-5.0107.5 -4.7%  
Avg P/CF ratio x1.73.8 45.2%  
Avg Price/Bookvalue ratio x0.61.1 52.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m147,3882,473,004 6.0%   
No. of employees `00037.3257.3 14.5%   
Total wages & salary Rs m32,372437,950 7.4%   
Avg. income/employee Rs Th9,208.89,847.2 93.5%   
Avg. wages/employee Rs Th868.81,702.4 51.0%   
Avg. net profit/employee Rs Th-784.389.4 -877.3%   
INCOME DATA
Interest income Rs m343,1372,533,221 13.5%  
Other income Rs m50,417773,652 6.5%   
Interest expense Rs m238,9611,558,675 15.3%   
Net interest income Rs m104,176974,547 10.7%  
Operating expense Rs m78,5621,148,003 6.8%   
Gross profit Rs m25,614-173,456 -14.8%  
Gross profit margin %7.5-6.8 -109.0%  
Provisions/contingencies Rs m115,157628,566 18.3%   
Profit before tax Rs m-39,016-28,370 137.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-10,509 0.0%   
Prior Period Items Rs m02,815 0.0%   
Tax Rs m-9,792-59,061 16.6%   
Profit after tax Rs m-29,22422,996 -127.1%  
Net profit margin %-8.50.9 -938.2%  
BALANCE SHEET DATA
Advances Rs m2,987,80122,268,537 13.4%   
Deposits Rs m4,175,04829,405,411 14.2%  
Credit/Deposit ratio x71.675.7 94.5%  
Yield on advances %8.07.5 107.1%   
Cost of deposits %5.34.8 110.5%   
Net Interest Margin %2.22.7 81.2%  
Net fixed assets Rs m37,745407,031 9.3%   
Share capital Rs m17,6308,925 197.5%   
Free reserves Rs m249,6862,336,032 10.7%   
Net worth Rs m267,3172,344,957 11.4%   
Borrowings Rs m432,7564,137,477 10.5%   
Investments Rs m1,283,91211,192,478 11.5%   
Total assets Rs m4,985,80538,884,671 12.8%  
Debt/equity ratio x17.214.3 120.5%   
Return on assets %-0.60.1 -991.1%  
Return on equity %-10.91.0 -1,114.8%  
Capital adequacy ratio %11.812.9 91.7%  
Net NPAs %6.93.0 227.6%  
CASH FLOW
From Operations Rs m-77,784295,560 -26.3%  
From Investments Rs m-2,971-8,568 34.7%  
From Financial Activity Rs m17,5824,476 392.8%  
Net Cashflow Rs m-63,173302,232 -20.9%  

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:   FEDERAL BANK  ORIENTAL BANK  KARNATAKA BANK  BANK OF BARODA  YES BANK  

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



Today's Market

Sensex Falls 250 Points; Metal & Realty Stocks Drag(12:30 pm)

Share markets in India are presently trading on a negative note. All sectoral indices are trading in red with stocks in the metal sector, realty sector and capital goods sector.

Related Views on News

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

SBI Announces Quarterly Results (4QFY19); Net Profit Up 110.9% (Quarterly Result Update)

May 13, 2019 | Updated on May 13, 2019

For the quarter ended March 2019, SBI has posted a net profit of Rs 8 bn (up 110.9% YoY). Sales on the other hand came in at Rs 630 bn (up 12.6% YoY). Read on for a complete analysis of SBI's quarterly results.

SBI Announces Quarterly Results (3QFY19); Net Profit Up 263.7% (Quarterly Result Update)

Feb 4, 2019 | Updated on Feb 4, 2019

For the quarter ended December 2018, SBI has posted a net profit of Rs 40 bn (up 263.7% YoY). Sales on the other hand came in at Rs 623 bn (up 13.6% YoY). Read on for a complete analysis of SBI's quarterly results.

UNION BANK Announces Quarterly Results (3QFY19); Net Profit Up 112.3% (Quarterly Result Update)

Jan 22, 2019 | Updated on Jan 22, 2019

For the quarter ended December 2018, UNION BANK has posted a net profit of Rs 2 bn (up 112.3% YoY). Sales on the other hand came in at Rs 85 bn (up 2.6% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

SBI Announces Quarterly Results (2QFY19); Net Profit Down 40.3% (Quarterly Result Update)

Nov 12, 2018 | Updated on Nov 12, 2018

For the quarter ended September 2018, SBI has posted a net profit of Rs 9 bn (down 40.3% YoY). Sales on the other hand came in at Rs 588 bn (up 7.2% YoY). Read on for a complete analysis of SBI's quarterly results.

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