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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 -0.5 43.1 - View Chart
P/BV x 0.1 1.8 5.0% View Chart
Dividend Yield % 0.0 0.5 -  

Financials

 UNITED BANK OF INDIA   ICICI BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
ICICI BANK
Mar-18
UNITED BANK OF INDIA/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs23362 6.3%   
Low Rs11244 4.3%   
Income per share (Unadj.) Rs27.8106.7 26.1%  
Earnings per share (Unadj.) Rs-4.813.2 -36.6%  
Cash flow per share (Unadj.) Rs-14.177.1 -18.3%  
Dividends per share (Unadj.) Rs01.50 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs28.9189.9 15.2%  
Shares outstanding (eoy) m2,999.995,824.48 51.5%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.62.8 21.1%   
Avg P/E ratio x-3.422.9 -15.0%  
Avg P/CF ratio x2.06.6 30.2%  
Avg Price/Bookvalue ratio x0.61.6 36.1%  
Dividend payout %011.3 0.0%   
Avg Mkt Cap Rs m49,9501,765,982 2.8%   
No. of employees `000NA81.5 0.0%   
Total wages & salary Rs m17,12683,335 20.6%   
Avg. income/employee Rs ThNM7,622.8-  
Avg. wages/employee Rs ThNM1,021.9-  
Avg. net profit/employee Rs ThN.A.945.7-  
INCOME DATA
Interest income Rs m83,416621,624 13.4%  
Other income Rs m22,146568,068 3.9%   
Interest expense Rs m68,488342,621 20.0%   
Net interest income Rs m14,929279,003 5.4%  
Operating expense Rs m26,834557,556 4.8%   
Gross profit Rs m-11,905-278,553 4.3%  
Gross profit margin %-14.3-44.8 31.8%  
Provisions/contingencies Rs m39,728191,949 20.7%   
Profit before tax Rs m-29,48797,565 -30.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-13,874 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-14,9426,570 -227.4%   
Profit after tax Rs m-14,54577,122 -18.9%  
Net profit margin %-17.412.4 -140.5%  
BALANCE SHEET DATA
Advances Rs m624,9025,668,542 11.0%   
Deposits Rs m1,293,2645,857,961 22.1%  
Credit/Deposit ratio x48.396.8 49.9%  
Yield on advances %8.17.6 106.1%   
Cost of deposits %5.14.1 125.8%   
Net Interest Margin %1.12.7 41.3%  
Net fixed assets Rs m12,93194,650 13.7%   
Share capital Rs m30,00012,858 233.3%   
Free reserves Rs m22,244591,640 3.8%   
Net worth Rs m86,6161,106,241 7.8%   
Borrowings Rs m33,0612,294,018 1.4%   
Investments Rs m504,0183,722,077 13.5%   
Total assets Rs m1,447,48711,242,810 12.9%  
Debt/equity ratio x15.37.4 207.8%   
Return on assets %-1.00.7 -146.5%  
Return on equity %-16.87.0 -240.9%  
Capital adequacy ratio %12.618.4 68.5%  
Net NPAs %16.54.8 345.7%  
CASH FLOW
From Operations Rs m46,588193,829 24.0%  
From Investments Rs m-2,347-505,735 0.5%  
From Financial Activity Rs m27,942396,760 7.0%  
Net Cashflow Rs m72,18385,083 84.8%  

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:   DENA BANK  IDBI BANK  IDFC BANK LTD  DHANLAXMI BANK  SBI  

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



Today's Market

Indian Indices End Positively, Aavas Financiers IPO, and Top Stocks in Action Today(Pre-Open)

Share markets in India ended on a positive note yesterday with gains largely seen in the banking sector and healthcare sector.

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UNITED BANK OF INDIA Announces Quarterly Results (1QFY19); Net Profit Up 83.8% (Quarterly Result Update)

Aug 14, 2018 | Updated on Aug 14, 2018

For the quarter ended June 2018, UNITED BANK OF INDIA has posted a net profit of Rs 4 bn (up 83.8% YoY). Sales on the other hand came in at Rs 22 bn (up 3.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

ICICI BANK Announces Quarterly Results (1QFY19); Net Profit Down 105.8% (Quarterly Result Update)

Jul 31, 2018 | Updated on Jul 31, 2018

For the quarter ended June 2018, ICICI BANK has posted a net profit of Rs 1 bn (down 105.8% YoY). Sales on the other hand came in at Rs 147 bn (up 9.4% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

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Nov 7, 2017

The net profits of the company fell by 33% YoY during the quarter. The company is undergoing an RBI audit, and the divergences as reported by RBI will be the key thing to watch out for going ahead.

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