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Compare Union Bank with South Ind.Bank - Equitymaster
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UNION BANK vs SOUTH IND.BANK - 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

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Current Valuations

    UNION BANK SOUTH IND.BANK UNION BANK/
SOUTH IND.BANK
 
P/E (TTM) x 15.6 4.8 326.0% View Chart
P/BV x 0.4 1.0 35.0% View Chart
Dividend Yield % 1.5 2.2 68.2%  

Financials

 UNION BANK   SOUTH IND.BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
SOUTH IND.BANK
Mar-15
UNION BANK/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs22335 633.9%   
Low Rs10422 477.5%   
Income per share (Unadj.) Rs470.139.2 1,200.6%  
Earnings per share (Unadj.) Rs19.72.3 867.5%  
Cash flow per share (Unadj.) Rs67.47.7 879.1%  
Dividends per share (Unadj.) Rs1.950.60 325.0%  
Avg Dividend yield %1.22.1 56.6%  
Book value per share (Unadj.) Rs335.326.6 1,260.3%  
Shares outstanding (eoy) m687.441,350.15 50.9%   
Bonus/Rights/Conversions PIESOS-  
Avg Price / Income ratio x0.30.7 47.8%   
Avg P/E ratio x8.312.5 66.2%  
Avg P/CF ratio x2.15.3 40.3%  
Avg Price/Bookvalue ratio x0.51.1 45.5%  
Dividend payout %9.926.4 37.5%   
Avg Mkt Cap Rs m112,25938,412 292.3%   
No. of employees `00035.57.8 453.3%   
Total wages & salary Rs m37,6816,337 594.6%   
Avg. income/employee Rs Th9,109.96,755.6 134.9%   
Avg. wages/employee Rs Th1,062.2809.8 131.2%   
Avg. net profit/employee Rs Th382.5392.6 97.4%   
INCOME DATA
Interest income Rs m323,15752,862 611.3%  
Other income Rs m393,4434,971 7,915.3%   
Interest expense Rs m238,94039,200 609.5%   
Net interest income Rs m84,21613,662 616.4%  
Operating expense Rs m67,1599,813 684.4%   
Gross profit Rs m17,0573,849 443.1%  
Gross profit margin %5.37.3 72.5%  
Provisions/contingencies Rs m38,6824,141 934.2%   
Profit before tax Rs m17,7694,680 379.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2911,608 266.9%   
Profit after tax Rs m13,5693,072 441.7%  
Net profit margin %4.25.8 72.3%  
BALANCE SHEET DATA
Advances Rs m2,682,496373,916 717.4%   
Deposits Rs m3,441,175519,125 662.9%  
Credit/Deposit ratio x78.072.0 108.2%  
Yield on advances %8.811.1 79.5%   
Cost of deposits %6.47.1 91.0%   
Net Interest Margin %2.22.4 91.6%  
Net fixed assets Rs m39,5194,791 824.9%   
Share capital Rs m6,8741,350 509.1%   
Free reserves Rs m200,76123,794 843.7%   
Net worth Rs m230,48135,918 641.7%   
Borrowings Rs m306,36622,325 1,372.3%   
Investments Rs m905,732167,172 541.8%   
Total assets Rs m4,073,646591,163 689.1%  
Debt/equity ratio x16.315.1 107.9%   
Return on assets %0.30.5 64.1%  
Return on equity %5.98.6 68.8%  
Capital adequacy ratio %11.112.1 92.4%  
Net NPAs %5.31.0 546.9%  
CASH FLOW
From Operations Rs m82,7416,870 1,204.4%  
From Investments Rs m-8,718-1,726 505.1%  
From Financial Activity Rs m-3,886-1,372 283.1%  
Net Cashflow Rs m70,1383,772 1,859.7%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 12.0 138.3%  
FIIs % 8.5 41.7 20.4%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 46.3 32.0%  
Shareholders   235,817 247,922 95.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   HDFC BANK  FEDERAL BANK  DCB BANK  BANK OF INDIA  SBI  

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



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