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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 -16.9 - View Chart
P/BV x 0.2 0.8 28.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   BANK OF BARODA
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
BANK OF BARODA
Mar-16
UNITED BANK OF INDIA/
BANK OF BARODA
5-Yr Chart
Click to enlarge
High Rs32216 14.7%   
Low Rs17109 15.3%   
Income per share (Unadj.) Rs118.4197.6 59.9%  
Earnings per share (Unadj.) Rs-3.4-21.9 15.4%  
Cash flow per share (Unadj.) Rs-15.5-52.8 29.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.6183.4 37.9%  
Shares outstanding (eoy) m839.512,317.83 36.2%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.20.8 24.9%   
Avg P/E ratio x-7.2-7.4 96.9%  
Avg P/CF ratio x0.93.5 26.2%  
Avg Price/Bookvalue ratio x0.30.9 39.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,358377,517 5.4%   
No. of employees `00015.052.0 28.8%   
Total wages & salary Rs m10,97452,010 21.1%   
Avg. income/employee Rs Th6,632.88,803.9 75.3%   
Avg. wages/employee Rs Th732.5999.8 73.3%   
Avg. net profit/employee Rs Th-188.2-974.2 19.3%   
INCOME DATA
Interest income Rs m99,367457,990 21.7%  
Other income Rs m14,67559,922 24.5%   
Interest expense Rs m76,561321,074 23.8%   
Net interest income Rs m22,806136,916 16.7%  
Operating expense Rs m19,36399,624 19.4%   
Gross profit Rs m3,44337,291 9.2%  
Gross profit margin %3.58.1 42.6%  
Provisions/contingencies Rs m25,228159,540 15.8%   
Profit before tax Rs m-7,110-62,126 11.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-347 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,290-11,796 36.4%   
Profit after tax Rs m-2,820-50,677 5.6%  
Net profit margin %-2.8-11.1 25.6%  
BALANCE SHEET DATA
Advances Rs m680,6023,914,860 17.4%   
Deposits Rs m1,164,0135,866,905 19.8%  
Credit/Deposit ratio x58.566.7 87.6%  
Yield on advances %9.77.8 124.2%   
Cost of deposits %6.25.1 120.8%   
Net Interest Margin %1.92.1 90.4%  
Net fixed assets Rs m12,10963,592 19.0%   
Share capital Rs m8,3954,621 181.7%   
Free reserves Rs m17,690209,263 8.5%   
Net worth Rs m58,392425,032 13.7%   
Borrowings Rs m29,125338,452 8.6%   
Investments Rs m447,2341,288,941 34.7%   
Total assets Rs m1,294,3186,911,791 18.7%  
Debt/equity ratio x20.414.6 140.0%   
Return on assets %-0.2-0.7 29.7%  
Return on equity %-4.8-11.9 40.5%  
Capital adequacy ratio %10.513.2 79.4%  
Net NPAs %9.05.1 178.7%  
CASH FLOW
From Operations Rs m24,276-100,113 -24.2%  
From Investments Rs m-896-40,051 2.2%  
From Financial Activity Rs m-429-6,157 7.0%  
Net Cashflow Rs m22,951-146,321 -15.7%  

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:   BANK OF INDIA  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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Aug 16, 2017 (Close)

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