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Compare United Bank of India with ICICI Bank - Equitymaster

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UNITED BANK OF INDIA vs ICICI BANK - Comparison Results

ICICI BANK 
   Change

Despite being the second largest bank in the country after SBI in terms of asset size, ICICI Bank lost its share of the banking sector's advances from 10.2% in FY07 to 8% in FY12. At the end of March 2012, the bank had assets of over Rs 4.8 trillion ... More

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Current Valuations

    UNITED BANK OF INDIA ICICI BANK UNITED BANK OF INDIA/
ICICI BANK
 
P/E (TTM) x -0.6 27.6 - View Chart
P/BV x 0.1 1.8 7.7% View Chart
Dividend Yield % 0.0 0.8 -  

Financials

 UNITED BANK OF INDIA   ICICI BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
ICICI BANK
Mar-17
UNITED BANK OF INDIA/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs32293 10.8%   
Low Rs17215 7.8%   
Income per share (Unadj.) Rs118.4104.8 112.9%  
Earnings per share (Unadj.) Rs-3.417.5 -19.2%  
Cash flow per share (Unadj.) Rs-15.576.1 -20.3%  
Dividends per share (Unadj.) Rs02.50 0.0%  
Avg Dividend yield %01.0 0.0%  
Book value per share (Unadj.) Rs69.6179.9 38.7%  
Shares outstanding (eoy) m839.515,814.77 14.4%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.22.4 8.5%   
Avg P/E ratio x-7.214.5 -49.9%  
Avg P/CF ratio x0.95.5 16.5%  
Avg Price/Bookvalue ratio x0.31.4 24.7%  
Dividend payout %014.3 0.0%   
Avg Mkt Cap Rs m20,3581,475,207 1.4%   
No. of employees `00015.081.1 18.5%   
Total wages & salary Rs m10,97478,933 13.9%   
Avg. income/employee Rs Th6,632.87,511.5 88.3%   
Avg. wages/employee Rs Th732.5972.9 75.3%   
Avg. net profit/employee Rs Th-188.21,255.8 -15.0%   
INCOME DATA
Interest income Rs m99,367609,400 16.3%  
Other income Rs m14,675524,577 2.8%   
Interest expense Rs m76,561348,358 22.0%   
Net interest income Rs m22,806261,042 8.7%  
Operating expense Rs m19,363481,700 4.0%   
Gross profit Rs m3,443-220,658 -1.6%  
Gross profit margin %3.5-36.2 -9.6%  
Provisions/contingencies Rs m25,228165,825 15.2%   
Profit before tax Rs m-7,110138,094 -5.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-11,520 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,29024,690 -17.4%   
Profit after tax Rs m-2,820101,884 -2.8%  
Net profit margin %-2.816.7 -17.0%  
BALANCE SHEET DATA
Advances Rs m680,6025,153,173 13.2%   
Deposits Rs m1,164,0135,125,873 22.7%  
Credit/Deposit ratio x58.5100.5 58.2%  
Yield on advances %9.78.2 119.3%   
Cost of deposits %6.24.5 136.0%   
Net Interest Margin %1.92.9 64.9%  
Net fixed assets Rs m12,10993,380 13.0%   
Share capital Rs m8,39511,651 72.1%   
Free reserves Rs m17,690581,559 3.0%   
Net worth Rs m58,3921,046,320 5.6%   
Borrowings Rs m29,1251,882,868 1.5%   
Investments Rs m447,2343,045,017 14.7%   
Total assets Rs m1,294,3189,860,427 13.1%  
Debt/equity ratio x20.46.7 305.0%   
Return on assets %-0.21.0 -21.1%  
Return on equity %-4.89.7 -49.6%  
Capital adequacy ratio %10.517.4 60.1%  
Net NPAs %9.05.4 166.5%  
CASH FLOW
From Operations Rs m24,276526,355 4.6%  
From Investments Rs m-896-16,057 5.6%  
From Financial Activity Rs m-429-354,695 0.1%  
Net Cashflow Rs m22,951155,603 14.7%  

Share Holding

Indian Promoters % 88.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 23.1 22.5%  
FIIs % 0.3 40.0 0.8%  
ADR/GDR % 0.0 29.2 -  
Free float % 6.5 7.8 83.3%  
Shareholders   78,272 585,463 13.4%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   DCB BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  YES BANK  CANARA BANK  

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



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