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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 -1.1 18.0 - View Chart
P/BV x 0.2 3.0 7.7% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 UNION BANK   YES BANK
EQUITY SHARE DATA
    UNION BANK
Mar-18
YES BANK
Mar-18
UNION BANK/
YES BANK
5-Yr Chart
Click to enlarge
High Rs2051,886 10.9%   
Low Rs86285 30.2%   
Income per share (Unadj.) Rs282.0440.1 64.1%  
Earnings per share (Unadj.) Rs-44.691.7 -48.6%  
Cash flow per share (Unadj.) Rs-115.2215.2 -53.5%  
Dividends per share (Unadj.) Rs02.70 0.0%  
Avg Dividend yield %00.2 0.0%  
Book value per share (Unadj.) Rs216.1559.2 38.6%  
Shares outstanding (eoy) m1,168.57460.59 253.7%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.52.5 20.9%   
Avg P/E ratio x-3.311.8 -27.6%  
Avg P/CF ratio x1.98.6 21.9%  
Avg Price/Bookvalue ratio x0.71.9 34.7%  
Dividend payout %02.9 0.0%   
Avg Mkt Cap Rs m170,027499,970 34.0%   
No. of employees `00037.618.2 206.1%   
Total wages & salary Rs m33,32221,889 152.2%   
Avg. income/employee Rs Th8,766.711,113.4 78.9%   
Avg. wages/employee Rs Th886.51,200.2 73.9%   
Avg. net profit/employee Rs Th-1,386.82,316.4 -59.9%   
INCOME DATA
Interest income Rs m329,516202,686 162.6%  
Other income Rs m54,62152,932 103.2%   
Interest expense Rs m234,709125,294 187.3%   
Net interest income Rs m94,80777,392 122.5%  
Operating expense Rs m73,50852,735 139.4%   
Gross profit Rs m21,29824,656 86.4%  
Gross profit margin %6.512.2 53.1%  
Provisions/contingencies Rs m142,06315,558 913.1%   
Profit before tax Rs m-66,06261,943 -106.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-13,93819,698 -70.8%   
Profit after tax Rs m-52,12542,246 -123.4%  
Net profit margin %-15.820.8 -75.9%  
BALANCE SHEET DATA
Advances Rs m2,905,7152,035,339 142.8%   
Deposits Rs m4,102,8842,007,382 204.4%  
Credit/Deposit ratio x70.8101.4 69.8%  
Yield on advances %7.97.6 103.4%   
Cost of deposits %5.34.7 112.5%   
Net Interest Margin %2.02.6 78.1%  
Net fixed assets Rs m38,4618,324 462.0%   
Share capital Rs m11,6864,606 253.7%   
Free reserves Rs m228,925252,977 90.5%   
Net worth Rs m252,518257,583 98.0%   
Borrowings Rs m456,804748,936 61.0%   
Investments Rs m1,255,107683,989 183.5%   
Total assets Rs m4,911,4643,124,456 157.2%  
Debt/equity ratio x18.110.7 168.7%   
Return on assets %-1.11.4 -78.5%  
Return on equity %-20.616.4 -125.9%  
Capital adequacy ratio %11.518.4 62.5%  
Net NPAs %8.40.6 1,315.6%  
CASH FLOW
From Operations Rs m60,893-218,777 -27.8%  
From Investments Rs m-3,068-86,919 3.5%  
From Financial Activity Rs m107,919357,479 30.2%  
Net Cashflow Rs m165,74451,849 319.7%  

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:   FEDERAL BANK  IDFC BANK LTD  ALLAHABAD BANK  HDFC BANK  UNITED BANK OF INDIA  

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



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