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Compare Union Bank with ING Vysya Bank - Equitymaster
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UNION BANK vs ING VYSYA 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

ING VYSYA BANK 
   Change

ING Vysya Bank is one of the oldest private sector banks in the country, in which the ING Group of the Netherlands holds a 44% stake. The bank has a large regional exposure in the southern region. Thanks to capital infusion by parent ING Bank N.V's, ... More

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Current Valuations

    UNION BANK ING VYSYA BANK UNION BANK/
ING VYSYA BANK
 
P/E (TTM) x 15.1 28.5 53.1% View Chart
P/BV x 0.4 2.8 12.8% View Chart
Dividend Yield % 1.5 0.6 258.4%  

Financials

 UNION BANK   ING VYSYA BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
ING VYSYA BANK
Mar-14
UNION BANK/
ING VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs223667 33.4%   
Low Rs104406 25.7%   
Income per share (Unadj.) Rs470.1275.9 170.4%  
Earnings per share (Unadj.) Rs19.734.9 56.6%  
Cash flow per share (Unadj.) Rs67.4123.0 54.8%  
Dividends per share (Unadj.) Rs1.956.00 32.5%  
Avg Dividend yield %1.21.1 106.7%  
Book value per share (Unadj.) Rs335.3375.2 89.4%  
Shares outstanding (eoy) m687.44188.64 364.4%   
Bonus/Rights/Conversions PIPI-  
Avg Price / Income ratio x0.31.9 17.9%   
Avg P/E ratio x8.315.4 53.8%  
Avg P/CF ratio x2.112.5 17.2%  
Avg Price/Bookvalue ratio x0.51.4 34.1%  
Dividend payout %9.917.2 57.4%   
Avg Mkt Cap Rs m112,259101,158 111.0%   
No. of employees `00035.5NA-   
Total wages & salary Rs m37,6819,177 410.6%   
Avg. income/employee Rs Th9,109.9NM-  
Avg. wages/employee Rs Th1,062.2NM-  
Avg. net profit/employee Rs Th382.5N.A.-  
INCOME DATA
Interest income Rs m323,15752,053 620.8%  
Other income Rs m393,4438,668 4,539.1%   
Interest expense Rs m238,94034,517 692.2%   
Net interest income Rs m84,21617,535 480.3%  
Operating expense Rs m67,15914,925 450.0%   
Gross profit Rs m17,0572,610 653.5%  
Gross profit margin %5.35.0 105.3%  
Provisions/contingencies Rs m38,6821,500 2,578.3%   
Profit before tax Rs m17,7699,778 181.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,2913,198 134.2%   
Profit after tax Rs m13,5696,579 206.2%  
Net profit margin %4.212.6 33.2%  
BALANCE SHEET DATA
Advances Rs m2,682,496358,289 748.7%   
Deposits Rs m3,441,175412,122 835.0%  
Credit/Deposit ratio x78.086.9 89.7%  
Yield on advances %8.810.6 83.5%   
Cost of deposits %6.46.6 97.6%   
Net Interest Margin %2.23.0 72.2%  
Net fixed assets Rs m39,5195,248 753.1%   
Share capital Rs m6,8741,886 364.4%   
Free reserves Rs m200,76156,798 353.5%   
Net worth Rs m230,48170,782 325.6%   
Borrowings Rs m306,36696,685 316.9%   
Investments Rs m905,732167,187 541.7%   
Total assets Rs m4,073,646604,134 674.3%  
Debt/equity ratio x16.37.2 226.2%   
Return on assets %0.31.1 30.6%  
Return on equity %5.99.3 63.3%  
Capital adequacy ratio %11.116.8 66.5%  
Net NPAs %5.30.3 1,875.0%  
CASH FLOW
From Operations Rs m82,741-19,300 -428.7%  
From Investments Rs m-8,718-826 1,055.4%  
From Financial Activity Rs m-3,88650,052 -7.8%  
Net Cashflow Rs m70,13829,926 234.4%  

Share Holding

Indian Promoters % 60.1 0.0 -  
Foreign collaborators % 0.0 43.1 -  
Indian inst/Mut Fund % 16.6 14.8 112.2%  
FIIs % 8.5 28.7 29.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 13.4 110.4%  
Shareholders   235,817 30,627 770.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   J&K BANK  CORPORATION BANK  SBI  SYNDICATE BANK  DHANLAXMI BANK  

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



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Aug 22, 2017 (Close)

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