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UNITED BANK OF INDIA vs BANK OF INDIA - Comparison Results

BANK OF INDIA 
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With one of the most geographically diversified advance portfolio, Bank of India (BOI) is amongst the largest public sector banking entity in the country (in terms of asset size) with 5.8% share of the total non-food credit disbursals at the end of F... More

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Current Valuations

    UNITED BANK OF INDIA BANK OF INDIA UNITED BANK OF INDIA/
BANK OF INDIA
 
P/E (TTM) x -0.6 -12.3 - View Chart
P/BV x 0.2 0.3 69.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   BANK OF INDIA
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
BANK OF INDIA
Mar-17
UNITED BANK OF INDIA/
BANK OF INDIA
5-Yr Chart
Click to enlarge
High Rs32142 22.3%   
Low Rs1778 21.4%   
Income per share (Unadj.) Rs118.4374.9 31.6%  
Earnings per share (Unadj.) Rs-3.41.6 -212.7%  
Cash flow per share (Unadj.) Rs-15.5-37.1 41.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.6302.2 23.0%  
Shares outstanding (eoy) m839.511,055.87 79.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.3 69.6%   
Avg P/E ratio x-7.269.9 -10.3%  
Avg P/CF ratio x0.90.9 96.7%  
Avg Price/Bookvalue ratio x0.30.4 95.4%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,358116,568 17.5%   
No. of employees `00015.0NA-   
Total wages & salary Rs m10,97454,491 20.1%   
Avg. income/employee Rs Th6,632.8NM-  
Avg. wages/employee Rs Th732.5NM-  
Avg. net profit/employee Rs Th-188.2N.A.-  
INCOME DATA
Interest income Rs m99,367395,852 25.1%  
Other income Rs m14,67568,195 21.5%   
Interest expense Rs m76,561276,058 27.7%   
Net interest income Rs m22,806119,795 19.0%  
Operating expense Rs m19,36389,750 21.6%   
Gross profit Rs m3,44330,045 11.5%  
Gross profit margin %3.57.6 45.6%  
Provisions/contingencies Rs m25,228122,361 20.6%   
Profit before tax Rs m-7,110-6,731 105.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0214 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,290-8,184 52.4%   
Profit after tax Rs m-2,8201,667 -169.1%  
Net profit margin %-2.80.4 -673.7%  
BALANCE SHEET DATA
Advances Rs m680,6023,683,288 18.5%   
Deposits Rs m1,164,0135,423,521 21.5%  
Credit/Deposit ratio x58.567.9 86.1%  
Yield on advances %9.77.4 131.0%   
Cost of deposits %6.24.5 136.3%   
Net Interest Margin %1.92.0 93.6%  
Net fixed assets Rs m12,10985,458 14.2%   
Share capital Rs m8,39510,554 79.5%   
Free reserves Rs m17,690211,157 8.4%   
Net worth Rs m58,392319,073 18.3%   
Borrowings Rs m29,125394,914 7.4%   
Investments Rs m447,2341,307,513 34.2%   
Total assets Rs m1,294,3186,320,260 20.5%  
Debt/equity ratio x20.418.2 112.1%   
Return on assets %-0.20 -825.8%  
Return on equity %-4.80.5 -924.1%  
Capital adequacy ratio %10.50-  
Net NPAs %9.07.2 126.1%  
CASH FLOW
From Operations Rs m24,276-66,241 -36.6%  
From Investments Rs m-896-3,711 24.2%  
From Financial Activity Rs m-42939,551 -1.1%  
Net Cashflow Rs m22,951-30,400 -75.5%  

Share Holding

Indian Promoters % 88.0 66.7 131.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 15.5 33.5%  
FIIs % 0.3 10.2 2.9%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 7.7 84.4%  
Shareholders   78,272 240,000 32.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   DENA BANK  IDBI BANK  KARUR VYSYA BANK  DHANLAXMI BANK  HDFC BANK  

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



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