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Compare Union Bank with Axis Bank - Equitymaster
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UNION BANK vs AXIS 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

AXIS BANK 
   Change

Axis Bank is one of the most aggressive players in the private sector banking industry having more than tripled its share in non-food credit over the last 9 years from 1% in FY02 to 3.6% in FY12. Axis Bank has set up a network of 9,925 ATMs, the thir... More

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Current Valuations

    UNION BANK AXIS BANK UNION BANK/
AXIS BANK
 
P/E (TTM) x 15.6 35.0 44.4% View Chart
P/BV x 0.4 2.2 16.4% View Chart
Dividend Yield % 1.5 1.0 147.4%  

Financials

 UNION BANK   AXIS BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
AXIS BANK
Mar-16
UNION BANK/
AXIS BANK
5-Yr Chart
Click to enlarge
High Rs223613 36.3%   
Low Rs104367 28.4%   
Income per share (Unadj.) Rs470.1173.8 270.5%  
Earnings per share (Unadj.) Rs19.735.0 56.3%  
Cash flow per share (Unadj.) Rs67.482.1 82.1%  
Dividends per share (Unadj.) Rs1.955.00 39.0%  
Avg Dividend yield %1.21.0 117.0%  
Book value per share (Unadj.) Rs335.3224.8 149.2%  
Shares outstanding (eoy) m687.442,382.83 28.8%   
Bonus/Rights/Conversions PIESOP-  
Avg Price / Income ratio x0.32.8 12.3%   
Avg P/E ratio x8.314.0 59.2%  
Avg P/CF ratio x2.19.7 22.2%  
Avg Price/Bookvalue ratio x0.52.2 22.3%  
Dividend payout %9.914.3 69.2%   
Avg Mkt Cap Rs m112,2591,167,706 9.6%   
No. of employees `00035.550.1 70.8%   
Total wages & salary Rs m37,68140,193 93.7%   
Avg. income/employee Rs Th9,109.98,259.5 110.3%   
Avg. wages/employee Rs Th1,062.2801.7 132.5%   
Avg. net profit/employee Rs Th382.51,665.4 23.0%   
INCOME DATA
Interest income Rs m323,157414,093 78.0%  
Other income Rs m393,44399,550 395.2%   
Interest expense Rs m238,940243,442 98.2%   
Net interest income Rs m84,216170,650 49.4%  
Operating expense Rs m67,159106,114 63.3%   
Gross profit Rs m17,05764,537 26.4%  
Gross profit margin %5.315.6 33.9%  
Provisions/contingencies Rs m38,68237,187 104.0%   
Profit before tax Rs m17,769126,899 14.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m90-79 -114.0%   
Prior Period Items Rs m00-   
Tax Rs m4,29143,323 9.9%   
Profit after tax Rs m13,56983,497 16.3%  
Net profit margin %4.220.2 20.8%  
BALANCE SHEET DATA
Advances Rs m2,682,4963,446,633 77.8%   
Deposits Rs m3,441,1753,583,022 96.0%  
Credit/Deposit ratio x78.096.2 81.0%  
Yield on advances %8.88.8 100.1%   
Cost of deposits %6.45.2 124.1%   
Net Interest Margin %2.23.4 63.6%  
Net fixed assets Rs m39,51935,738 110.6%   
Share capital Rs m6,8744,766 144.2%   
Free reserves Rs m200,761410,694 48.9%   
Net worth Rs m230,481535,588 43.0%   
Borrowings Rs m306,3661,044,937 29.3%   
Investments Rs m905,7321,218,808 74.3%   
Total assets Rs m4,073,6465,320,332 76.6%  
Debt/equity ratio x16.38.6 188.2%   
Return on assets %0.31.6 21.2%  
Return on equity %5.915.6 37.8%  
Capital adequacy ratio %11.115.3 72.9%  
Net NPAs %5.30.7 750.0%  
CASH FLOW
From Operations Rs m82,741-310,767 -26.6%  
From Investments Rs m-8,71892,253 -9.5%  
From Financial Activity Rs m-3,886190,767 -2.0%  
Net Cashflow Rs m70,138-27,747 -252.8%  

Share Holding

Indian Promoters % 60.1 29.5 203.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 10.0 166.0%  
FIIs % 8.5 48.8 17.4%  
ADR/GDR % 0.0 3.3 -  
Free float % 14.8 8.4 176.2%  
Shareholders   235,817 148,435 158.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   CORPORATION BANK  BANK OF BARODA  KOTAK MAH. BANK  CITY UNION BANK  BANK OF INDIA  

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



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