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Compare Union Bank with Yes Bank - Equitymaster
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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 -7.7 21.8 - View Chart
P/BV x 0.4 3.7 10.7% View Chart
Dividend Yield % 1.3 3.3 40.2%  

Financials

 UNION BANK   YES BANK
EQUITY SHARE DATA
    UNION BANK
Mar-16
YES BANK
Mar-17
UNION BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs2231,558 14.3%   
Low Rs104827 12.6%   
Income per share (Unadj.) Rs470.1359.8 130.6%  
Earnings per share (Unadj.) Rs19.773.2 27.0%  
Cash flow per share (Unadj.) Rs67.4184.6 36.5%  
Dividends per share (Unadj.) Rs1.9512.00 16.3%  
Avg Dividend yield %1.21.0 118.6%  
Book value per share (Unadj.) Rs335.3482.8 69.4%  
Shares outstanding (eoy) m687.44456.49 150.6%   
Bonus/Rights/Conversions PIESOP-  
Avg Price / Income ratio x0.33.3 10.5%   
Avg P/E ratio x8.316.3 50.8%  
Avg P/CF ratio x2.113.2 16.3%  
Avg Price/Bookvalue ratio x0.52.5 19.7%  
Dividend payout %9.916.4 60.2%   
Avg Mkt Cap Rs m112,259544,273 20.6%   
No. of employees `00035.520.1 176.3%   
Total wages & salary Rs m37,68118,402 204.8%   
Avg. income/employee Rs Th9,109.98,161.5 111.6%   
Avg. wages/employee Rs Th1,062.2914.4 116.2%   
Avg. net profit/employee Rs Th382.51,659.6 23.0%   
INCOME DATA
Interest income Rs m323,157164,250 196.7%  
Other income Rs m393,44342,178 932.8%   
Interest expense Rs m238,940106,265 224.9%   
Net interest income Rs m84,21657,985 145.2%  
Operating expense Rs m67,15941,686 161.1%   
Gross profit Rs m17,05716,299 104.7%  
Gross profit margin %5.39.9 53.2%  
Provisions/contingencies Rs m38,6827,938 487.3%   
Profit before tax Rs m17,76950,539 35.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m900-   
Prior Period Items Rs m00-   
Tax Rs m4,29117,140 25.0%   
Profit after tax Rs m13,56933,399 40.6%  
Net profit margin %4.220.3 20.6%  
BALANCE SHEET DATA
Advances Rs m2,682,4961,322,627 202.8%   
Deposits Rs m3,441,1751,428,574 240.9%  
Credit/Deposit ratio x78.092.6 84.2%  
Yield on advances %8.89.2 95.6%   
Cost of deposits %6.45.7 111.7%   
Net Interest Margin %2.22.9 75.5%  
Net fixed assets Rs m39,5196,868 575.4%   
Share capital Rs m6,8744,565 150.6%   
Free reserves Rs m200,761177,869 112.9%   
Net worth Rs m230,481220,396 104.6%   
Borrowings Rs m306,366386,067 79.4%   
Investments Rs m905,732499,818 181.2%   
Total assets Rs m4,073,6462,150,597 189.4%  
Debt/equity ratio x16.38.2 197.5%   
Return on assets %0.31.6 21.4%  
Return on equity %5.915.2 38.8%  
Capital adequacy ratio %11.117.0 65.5%  
Net NPAs %5.30.8 648.1%  
CASH FLOW
From Operations Rs m82,74143,841 188.7%  
From Investments Rs m-8,718-44,739 19.5%  
From Financial Activity Rs m-3,886114,292 -3.4%  
Net Cashflow Rs m70,138113,395 61.9%  

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:   BANK OF INDIA  ING VYSYA BANK  UNITED BANK OF INDIA  DHANLAXMI BANK  HDFC BANK  

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



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