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Compare United Bank of India with Dhanlaxmi Bank - Equitymaster
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UNITED BANK OF INDIA vs DHANLAXMI BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA DHANLAXMI BANK UNITED BANK OF INDIA/
DHANLAXMI BANK
 
P/E (TTM) x -0.7 1.9 - View Chart
P/BV x 0.2 0.7 31.6% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   DHANLAXMI BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
DHANLAXMI BANK
Mar-14
UNITED BANK OF INDIA/
DHANLAXMI BANK
5-Yr Chart
Click to enlarge
High Rs3251 62.6%   
Low Rs1724 69.4%   
Income per share (Unadj.) Rs118.4102.6 115.4%  
Earnings per share (Unadj.) Rs-3.4-20.0 16.8%  
Cash flow per share (Unadj.) Rs-15.5-12.9 120.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.658.5 119.0%  
Shares outstanding (eoy) m839.51125.93 666.6%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.20.4 56.2%   
Avg P/E ratio x-7.2-1.9 386.2%  
Avg P/CF ratio x0.978.8 1.2%  
Avg Price/Bookvalue ratio x0.30.6 54.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,3584,710 432.3%   
No. of employees `00015.02.4 616.5%   
Total wages & salary Rs m10,9741,892 580.0%   
Avg. income/employee Rs Th6,632.85,316.7 124.8%   
Avg. wages/employee Rs Th732.5778.7 94.1%   
Avg. net profit/employee Rs Th-188.2-1,036.7 18.2%   
INCOME DATA
Interest income Rs m99,36712,920 769.1%  
Other income Rs m14,675734 1,998.5%   
Interest expense Rs m76,56110,118 756.7%   
Net interest income Rs m22,8062,801 814.1%  
Operating expense Rs m19,3633,475 557.2%   
Gross profit Rs m3,443-674 -511.0%  
Gross profit margin %3.5-5.2 -66.4%  
Provisions/contingencies Rs m25,2282,579 978.2%   
Profit before tax Rs m-7,110-2,518 282.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2901 -476,666.7%   
Profit after tax Rs m-2,820-2,519 111.9%  
Net profit margin %-2.8-19.5 14.6%  
BALANCE SHEET DATA
Advances Rs m680,60279,360 857.6%   
Deposits Rs m1,164,013121,332 959.4%  
Credit/Deposit ratio x58.565.4 89.4%  
Yield on advances %9.711.8 82.5%   
Cost of deposits %6.27.6 81.5%   
Net Interest Margin %1.92.0 94.7%  
Net fixed assets Rs m12,1092,124 570.2%   
Share capital Rs m8,3951,259 666.6%   
Free reserves Rs m17,6904,086 432.9%   
Net worth Rs m58,3927,363 793.0%   
Borrowings Rs m29,12513,356 218.1%   
Investments Rs m447,23444,823 997.8%   
Total assets Rs m1,294,318146,876 881.2%  
Debt/equity ratio x20.418.3 111.7%   
Return on assets %-0.2-1.7 12.7%  
Return on equity %-4.8-34.2 14.1%  
Capital adequacy ratio %10.58.7 120.6%  
Net NPAs %9.03.8 237.9%  
CASH FLOW
From Operations Rs m24,2766,487 374.2%  
From Investments Rs m-896-243 368.5%  
From Financial Activity Rs m-4291,138 -37.6%  
Net Cashflow Rs m22,9517,382 310.9%  

Share Holding

Indian Promoters % 88.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 0.5 1,040.0%  
FIIs % 0.3 22.7 1.3%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 76.8 8.5%  
Shareholders   78,272 81,558 96.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   PUNJAB & SIND BANK  ALLAHABAD BANK  SOUTH IND.BANK  KARUR VYSYA BANK  PNB  

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



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