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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 -0.8 60.5 - View Chart
P/BV x 0.1 2.7 2.0% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 UNITED BANK OF INDIA   ICICI BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
ICICI BANK
Mar-19
UNITED BANK OF INDIA/
ICICI BANK
5-Yr Chart
Click to enlarge
High Rs15400 3.7%   
Low Rs9259 3.5%   
Income per share (Unadj.) Rs11.5112.0 10.3%  
Earnings per share (Unadj.) Rs-3.16.6 -47.1%  
Cash flow per share (Unadj.) Rs-10.373.4 -14.0%  
Dividends per share (Unadj.) Rs01.00 0.0%  
Avg Dividend yield %00.3 0.0%  
Book value per share (Unadj.) Rs15.5177.7 8.7%  
Shares outstanding (eoy) m7,427.926,427.99 115.6%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.02.9 35.2%   
Avg P/E ratio x-3.849.8 -7.7%  
Avg P/CF ratio x2.48.1 29.6%  
Avg Price/Bookvalue ratio x0.81.9 41.6%  
Dividend payout %015.1 0.0%   
Avg Mkt Cap Rs m88,7642,118,987 4.2%   
No. of employees `00014.386.8 16.5%   
Total wages & salary Rs m19,54594,253 20.7%   
Avg. income/employee Rs Th5,987.68,296.4 72.2%   
Avg. wages/employee Rs Th1,367.21,086.3 125.9%   
Avg. net profit/employee Rs Th-1,620.0490.3 -330.4%   
INCOME DATA
Interest income Rs m85,599719,817 11.9%  
Other income Rs m23,846593,248 4.0%   
Interest expense Rs m65,853391,775 16.8%   
Net interest income Rs m19,746328,041 6.0%  
Operating expense Rs m29,476642,589 4.6%   
Gross profit Rs m-9,730-314,548 3.1%  
Gross profit margin %-11.4-43.7 26.0%  
Provisions/contingencies Rs m59,925217,669 27.5%   
Profit before tax Rs m-45,80961,032 -75.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-14,349 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-22,6504,140 -547.1%   
Profit after tax Rs m-23,15942,542 -54.4%  
Net profit margin %-27.15.9 -457.8%  
BALANCE SHEET DATA
Advances Rs m669,5516,469,617 10.3%   
Deposits Rs m1,349,8336,813,169 19.8%  
Credit/Deposit ratio x49.695.0 52.2%  
Yield on advances %7.67.9 96.1%   
Cost of deposits %4.74.0 118.3%   
Net Interest Margin %1.42.9 49.5%  
Net fixed assets Rs m12,40196,604 12.8%   
Share capital Rs m74,27912,895 576.0%   
Free reserves Rs m40,7101,129,593 3.6%   
Net worth Rs m114,9891,142,487 10.1%   
Borrowings Rs m22,0372,103,241 1.0%   
Investments Rs m609,7603,982,008 15.3%   
Total assets Rs m1,515,29912,387,939 12.2%  
Debt/equity ratio x11.97.8 152.9%   
Return on assets %-1.50.3 -445.0%  
Return on equity %-20.13.7 -540.9%  
Capital adequacy ratio %13.016.9 77.0%  
Net NPAs %8.72.3 378.6%  
CASH FLOW
From Operations Rs m-150,737486,711 -31.0%  
From Investments Rs m-732-301,472 0.2%  
From Financial Activity Rs m45,761-199,974 -22.9%  
Net Cashflow Rs m-105,708-16,082 657.3%  

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:   BANK OF MAHARASHTRA  UNION BANK  CITY UNION BANK  KARUR VYSYA BANK  ANDHRA BANK  

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



Today's Market

Indian Indices Witness Selling Pressure, Q2FY20 Results, and Top Cues in Focus Today(Pre-Open)

Indian share markets closed on a negative note yesterday amid weak global cues and disappointing domestic factory output data.

Related Views on News

UNITED BANK OF INDIA Announces Quarterly Results (2QFY20); Net Profit Up 114.0% (Quarterly Result Update)

Nov 5, 2019 | Updated on Nov 5, 2019

For the quarter ended September 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 114.0% YoY). Sales on the other hand came in at Rs 24 bn (up 14.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

ICICI BANK Announces Quarterly Results (2QFY20); Net Profit Down 27.9% (Quarterly Result Update)

Oct 29, 2019 | Updated on Oct 29, 2019

For the quarter ended September 2019, ICICI BANK has posted a net profit of Rs 7 bn (down 27.9% YoY). Sales on the other hand came in at Rs 186 bn (up 22.9% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

ICICI BANK Announces Quarterly Results (1QFY20); Net Profit Up 1696.0% (Quarterly Result Update)

Jul 29, 2019 | Updated on Jul 29, 2019

For the quarter ended June 2019, ICICI BANK has posted a net profit of Rs 19 bn (up 1696.0% YoY). Sales on the other hand came in at Rs 180 bn (up 22.1% YoY). Read on for a complete analysis of ICICI BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (4QFY19); Net Profit Up 136.5% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNITED BANK OF INDIA has posted a net profit of Rs 952 m (up 136.5% YoY). Sales on the other hand came in at Rs 22 bn (up 1.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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