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UNION BANK vs YES 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

YES BANK 
   Change

Yes Bank, which received its greenfield banking license in May 2004, commenced its lending operations in October 2004. The bank had 356 branches and 600 ATMs at the end of FY12. The asset mix is expected to change from C&IB (65%), Business Banking (2... More

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Current Valuations

    UNION BANK YES BANK UNION BANK/
YES BANK
 
P/E (TTM) x -1.3 27.4 - View Chart
P/BV x 0.1 0.6 24.1% View Chart
Dividend Yield % 0.0 2.9 -  

Financials

 UNION BANK   YES BANK
EQUITY SHARE DATA
    UNION BANK
Mar-19
YES BANK
Mar-19
UNION BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs106404 26.2%   
Low Rs61147 41.8%   
Income per share (Unadj.) Rs194.6639.8 30.4%  
Earnings per share (Unadj.) Rs-16.636.9 -44.9%  
Cash flow per share (Unadj.) Rs-42.963.2 -67.8%  
Dividends per share (Unadj.) Rs02.00 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs151.6580.7 26.1%  
Shares outstanding (eoy) m1,763.02463.01 380.8%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.40.4 99.8%   
Avg P/E ratio x-5.07.5 -67.6%  
Avg P/CF ratio x1.71.7 100.7%  
Avg Price/Bookvalue ratio x0.60.5 116.3%  
Dividend payout %05.4 0.0%   
Avg Mkt Cap Rs m147,388127,513 115.6%   
No. of employees `00037.321.1 176.3%   
Total wages & salary Rs m32,37224,698 131.1%   
Avg. income/employee Rs Th9,208.814,015.8 65.7%   
Avg. wages/employee Rs Th868.81,168.5 74.3%   
Avg. net profit/employee Rs Th-784.3808.7 -97.0%   
INCOME DATA
Interest income Rs m343,137296,238 115.8%  
Other income Rs m50,41746,755 107.8%   
Interest expense Rs m238,961198,113 120.6%   
Net interest income Rs m104,17698,125 106.2%  
Operating expense Rs m78,56263,614 123.5%   
Gross profit Rs m25,61434,511 74.2%  
Gross profit margin %7.511.6 64.1%  
Provisions/contingencies Rs m115,15757,802 199.2%   
Profit before tax Rs m-39,01623,463 -166.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-9,7926,371 -153.7%   
Profit after tax Rs m-29,22417,093 -171.0%  
Net profit margin %-8.55.8 -147.6%  
BALANCE SHEET DATA
Advances Rs m2,987,8012,413,972 123.8%   
Deposits Rs m4,175,0482,275,579 183.5%  
Credit/Deposit ratio x71.6106.1 67.5%  
Yield on advances %8.09.5 84.1%   
Cost of deposits %5.36.0 88.0%   
Net Interest Margin %2.22.7 80.7%  
Net fixed assets Rs m37,7458,299 454.8%   
Share capital Rs m17,6304,630 380.8%   
Free reserves Rs m249,686264,244 94.5%   
Net worth Rs m267,317268,874 99.4%   
Borrowings Rs m432,7561,084,241 39.9%   
Investments Rs m1,283,912893,285 143.7%   
Total assets Rs m4,985,8053,808,596 130.9%  
Debt/equity ratio x17.212.5 137.9%   
Return on assets %-0.60.4 -130.6%  
Return on equity %-10.96.4 -172.0%  
Capital adequacy ratio %11.816.5 71.4%  
Net NPAs %6.91.9 368.3%  
CASH FLOW
From Operations Rs m-77,784-245,733 31.7%  
From Investments Rs m-2,971-62,937 4.7%  
From Financial Activity Rs m17,582330,393 5.3%  
Net Cashflow Rs m-63,17322,311 -283.1%  

Share Holding

Indian Promoters % 60.1 22.1 271.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 16.6 20.7 80.2%  
FIIs % 8.5 45.1 18.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 14.8 12.2 121.3%  
Shareholders   235,817 172,309 136.9%  
Pledged promoter(s) holding % 0.0 3.6 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNION BANK With:   DHANLAXMI BANK  BANK OF INDIA  FEDERAL BANK  AXIS BANK  BANK OF BARODA  

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



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Related Views on News

UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

YES BANK Announces Quarterly Results (1QFY20); Net Profit Down 91.0% (Quarterly Result Update)

Jul 19, 2019 | Updated on Jul 19, 2019

For the quarter ended June 2019, YES BANK has posted a net profit of Rs 1 bn (down 91.0% YoY). Sales on the other hand came in at Rs 78 bn (up 18.8% YoY). Read on for a complete analysis of YES BANK's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

YES BANK Announces Quarterly Results (4QFY19); Net Profit Down 227.7% (Quarterly Result Update)

Apr 30, 2019 | Updated on Apr 30, 2019

For the quarter ended March 2019, YES BANK has posted a net profit of Rs 15 bn (down 227.7% YoY). Sales on the other hand came in at Rs 79 bn (up 36.8% YoY). Read on for a complete analysis of YES BANK's quarterly results.

YES BANK Announces Quarterly Results (3QFY19); Net Profit Down 7.0% (Quarterly Result Update)

Jan 25, 2019 | Updated on Jan 25, 2019

For the quarter ended December 2018, YES BANK has posted a net profit of Rs 10 bn (down 7.0% YoY). Sales on the other hand came in at Rs 80 bn (up 57.0% YoY). Read on for a complete analysis of YES BANK's quarterly results.

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Sep 13, 2019 (Close)

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