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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 -0.8 16.0 - View Chart
P/BV x 0.1 1.1 7.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNION BANK   SBI
EQUITY SHARE DATA
    UNION BANK
Mar-19
SBI
Mar-20
UNION BANK/
SBI
5-Yr Chart
Click to enlarge
High Rs106373 28.3%   
Low Rs61174 35.4%   
Income per share (Unadj.) Rs194.6302.4 64.4%  
Earnings per share (Unadj.) Rs-16.622.1 -74.8%  
Cash flow per share (Unadj.) Rs-42.9128.1 -33.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs151.6281.3 53.9%  
Shares outstanding (eoy) m1,763.028,924.59 19.8%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.40.9 47.5%   
Avg P/E ratio x-5.012.3 -40.9%  
Avg P/CF ratio x1.73.6 47.0%  
Avg Price/Bookvalue ratio x0.61.0 56.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m147,3882,440,429 6.0%   
No. of employees `00037.3249.4 14.9%   
Total wages & salary Rs m32,372488,510 6.6%   
Avg. income/employee Rs Th9,208.810,818.0 85.1%   
Avg. wages/employee Rs Th868.81,958.4 44.4%   
Avg. net profit/employee Rs Th-784.3792.5 -99.0%   
INCOME DATA
Interest income Rs m343,1372,698,517 12.7%  
Other income Rs m50,417981,590 5.1%   
Interest expense Rs m238,9611,611,238 14.8%   
Net interest income Rs m104,1761,087,279 9.6%  
Operating expense Rs m78,5621,317,816 6.0%   
Gross profit Rs m25,614-230,537 -11.1%  
Gross profit margin %7.5-8.5 -87.4%  
Provisions/contingencies Rs m115,157470,991 24.5%   
Profit before tax Rs m-39,016280,062 -13.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-13,722 0.0%   
Prior Period Items Rs m029,631 0.0%   
Tax Rs m-9,79298,294 -10.0%   
Profit after tax Rs m-29,224197,678 -14.8%  
Net profit margin %-8.57.3 -116.3%  
BALANCE SHEET DATA
Advances Rs m2,987,80123,743,112 12.6%   
Deposits Rs m4,175,04832,741,606 12.8%  
Credit/Deposit ratio x71.672.5 98.7%  
Yield on advances %8.07.8 102.3%   
Cost of deposits %5.34.5 117.0%   
Net Interest Margin %2.22.8 78.6%  
Net fixed assets Rs m37,745400,782 9.4%   
Share capital Rs m17,6308,925 197.5%   
Free reserves Rs m249,6862,501,677 10.0%   
Net worth Rs m267,3172,510,601 10.6%   
Borrowings Rs m432,7563,329,007 13.0%   
Investments Rs m1,283,91212,282,843 10.5%   
Total assets Rs m4,985,80541,974,923 11.9%  
Debt/equity ratio x17.214.4 120.0%   
Return on assets %-0.60.5 -124.5%  
Return on equity %-10.97.9 -138.8%  
Capital adequacy ratio %11.813.1 89.7%  
Net NPAs %6.92.2 307.2%  
CASH FLOW
From Operations Rs m-77,784239,285 -32.5%  
From Investments Rs m-2,971-33,237 8.9%  
From Financial Activity Rs m17,58254,295 32.4%  
Net Cashflow Rs m-63,173288,030 -21.9%  

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:   ICICI BANK  DENA BANK  YES BANK  CITY UNION BANK  BANK OF BARODA  

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



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