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Compare Union Bank with United Bank of India - Equitymaster
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UNION BANK vs UNITED BANK OF INDIA - 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 UNITED BANK OF INDIA UNION BANK/
UNITED BANK OF INDIA
 
P/E (TTM) x 15.9 -0.7 - View Chart
P/BV x 0.4 0.2 166.0% View Chart
Dividend Yield % 1.4 0.0 -  

Financials

 UNION BANK   UNITED BANK OF INDIA
EQUITY SHARE DATA
    UNION BANK
Mar-16
UNITED BANK OF INDIA
Mar-16
UNION BANK/
UNITED BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs22332 701.9%   
Low Rs10417 619.6%   
Income per share (Unadj.) Rs470.1118.4 397.2%  
Earnings per share (Unadj.) Rs19.7-3.4 -587.7%  
Cash flow per share (Unadj.) Rs67.4-15.5 -436.2%  
Dividends per share (Unadj.) Rs1.950-  
Avg Dividend yield %1.20-  
Book value per share (Unadj.) Rs335.369.6 482.0%  
Shares outstanding (eoy) m687.44839.51 81.9%   
Bonus/Rights/Conversions PI--  
Avg Price / Income ratio x0.30.2 169.6%   
Avg P/E ratio x8.3-7.2 -114.6%  
Avg P/CF ratio x2.10.9 236.5%  
Avg Price/Bookvalue ratio x0.50.3 139.7%  
Dividend payout %9.90-   
Avg Mkt Cap Rs m112,25920,358 551.4%   
No. of employees `00035.515.0 236.8%   
Total wages & salary Rs m37,68110,974 343.4%   
Avg. income/employee Rs Th9,109.96,632.8 137.3%   
Avg. wages/employee Rs Th1,062.2732.5 145.0%   
Avg. net profit/employee Rs Th382.5-188.2 -203.2%   
INCOME DATA
Interest income Rs m323,15799,367 325.2%  
Other income Rs m393,44314,675 2,681.0%   
Interest expense Rs m238,94076,561 312.1%   
Net interest income Rs m84,21622,806 369.3%  
Operating expense Rs m67,15919,363 346.8%   
Gross profit Rs m17,0573,443 495.5%  
Gross profit margin %5.33.5 152.3%  
Provisions/contingencies Rs m38,68225,228 153.3%   
Profit before tax Rs m17,769-7,110 -249.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,291-4,290 -100.0%   
Profit after tax Rs m13,569-2,820 -481.2%  
Net profit margin %4.2-2.8 -148.0%  
BALANCE SHEET DATA
Advances Rs m2,682,496680,602 394.1%   
Deposits Rs m3,441,1751,164,013 295.6%  
Credit/Deposit ratio x78.058.5 133.3%  
Yield on advances %8.89.7 90.7%   
Cost of deposits %6.46.2 103.9%   
Net Interest Margin %2.21.9 115.1%  
Net fixed assets Rs m39,51912,109 326.4%   
Share capital Rs m6,8748,395 81.9%   
Free reserves Rs m200,76117,690 1,134.9%   
Net worth Rs m230,48158,392 394.7%   
Borrowings Rs m306,36629,125 1,051.9%   
Investments Rs m905,732447,234 202.5%   
Total assets Rs m4,073,6461,294,318 314.7%  
Debt/equity ratio x16.320.4 79.6%   
Return on assets %0.3-0.2 -152.9%  
Return on equity %5.9-4.8 -121.9%  
Capital adequacy ratio %11.110.5 106.5%  
Net NPAs %5.39.0 58.1%  
CASH FLOW
From Operations Rs m82,74124,276 340.8%  
From Investments Rs m-8,718-896 972.7%  
From Financial Activity Rs m-3,886-429 906.8%  
Net Cashflow Rs m70,13822,951 305.6%  

Share Holding

Indian Promoters % 60.1 88.0 68.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 5.2 319.2%  
FIIs % 8.5 0.3 2,833.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 6.5 227.7%  
Shareholders   235,817 78,272 301.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   SYNDICATE BANK  CITY UNION BANK  BANK OF BARODA  PNB  J&K BANK  

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



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