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Compare United Bank of India with Bank of Baroda - Equitymaster
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UNITED BANK OF INDIA vs BANK OF BARODA - Comparison Results

BANK OF BARODA 
   Change

Bank of Baroda (BoB) is among the top banks in the country with a 6.8% share of the total non-food disbursals at the end of FY12. After a brand and operating overhaul, the bank has seen accelerated growth, enabling it to position itself favourably am... More

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Current Valuations

    UNITED BANK OF INDIA BANK OF BARODA UNITED BANK OF INDIA/
BANK OF BARODA
 
P/E (TTM) x -0.7 32.8 - View Chart
P/BV x 0.2 0.9 24.7% View Chart
Dividend Yield % 0.0 0.7 -  

Financials

 UNITED BANK OF INDIA   BANK OF BARODA
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
BANK OF BARODA
Mar-17
UNITED BANK OF INDIA/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs32192 16.5%   
Low Rs17128 13.1%   
Income per share (Unadj.) Rs118.4191.9 61.7%  
Earnings per share (Unadj.) Rs-3.47.8 -42.9%  
Cash flow per share (Unadj.) Rs-15.517.1 -90.2%  
Dividends per share (Unadj.) Rs01.20 0.0%  
Avg Dividend yield %00.7 0.0%  
Book value per share (Unadj.) Rs69.6185.8 37.4%  
Shares outstanding (eoy) m839.512,317.83 36.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.8 24.6%   
Avg P/E ratio x-7.220.4 -35.3%  
Avg P/CF ratio x0.93.3 27.6%  
Avg Price/Bookvalue ratio x0.30.9 40.5%  
Dividend payout %015.3 0.0%   
Avg Mkt Cap Rs m20,358370,911 5.5%   
No. of employees `00015.052.4 28.6%   
Total wages & salary Rs m10,97448,887 22.4%   
Avg. income/employee Rs Th6,632.88,484.1 78.2%   
Avg. wages/employee Rs Th732.5932.6 78.5%   
Avg. net profit/employee Rs Th-188.2346.2 -54.4%   
INCOME DATA
Interest income Rs m99,367444,735 22.3%  
Other income Rs m14,67579,368 18.5%   
Interest expense Rs m76,561295,957 25.9%   
Net interest income Rs m22,806148,777 15.3%  
Operating expense Rs m19,363103,498 18.7%   
Gross profit Rs m3,44345,279 7.6%  
Gross profit margin %3.510.2 34.0%  
Provisions/contingencies Rs m25,22894,404 26.7%   
Profit before tax Rs m-7,11031,019 -22.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-400 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,29012,469 -34.4%   
Profit after tax Rs m-2,82018,150 -15.5%  
Net profit margin %-2.84.1 -69.5%  
BALANCE SHEET DATA
Advances Rs m680,6023,922,623 17.4%   
Deposits Rs m1,164,0136,172,569 18.9%  
Credit/Deposit ratio x58.563.5 92.0%  
Yield on advances %9.77.3 134.1%   
Cost of deposits %6.24.5 137.9%   
Net Interest Margin %1.92.2 87.0%  
Net fixed assets Rs m12,10959,297 20.4%   
Share capital Rs m8,3954,621 181.7%   
Free reserves Rs m17,690212,918 8.3%   
Net worth Rs m58,392430,676 13.6%   
Borrowings Rs m29,125312,420 9.3%   
Investments Rs m447,2341,407,164 31.8%   
Total assets Rs m1,294,3187,192,205 18.0%  
Debt/equity ratio x20.415.1 135.7%   
Return on assets %-0.20.3 -86.3%  
Return on equity %-4.84.2 -114.6%  
Capital adequacy ratio %10.512.2 85.5%  
Net NPAs %9.04.7 191.5%  
CASH FLOW
From Operations Rs m24,276178,648 13.6%  
From Investments Rs m-896-5,506 16.3%  
From Financial Activity Rs m-429-1,983 21.6%  
Net Cashflow Rs m22,951171,159 13.4%  

Share Holding

Indian Promoters % 88.0 56.3 156.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 16.6 31.4%  
FIIs % 0.3 15.6 1.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 11.5 56.3%  
Shareholders   78,272 180,376 43.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   ICICI BANK  ING VYSYA BANK  YES BANK  J&K BANK  DENA BANK  

Compare UNITED BANK OF INDIA With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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