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

IDBI BANK 
   Change

After the amalgamation of IDBI with IDBI Bank and later with the beleaguered United Western Bank (UWB) in 2006, the bank has managed to integrate the additional branches and employees with itself. The bank had a franchise of over 1,200 ATMs and 720 b... More

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Current Valuations

    UNITED BANK OF INDIA IDBI BANK UNITED BANK OF INDIA/
IDBI BANK
 
P/E (TTM) x -0.7 -1.7 - View Chart
P/BV x 0.2 0.4 62.5% View Chart
Dividend Yield % 0.0 1.4 -  

Financials

 UNITED BANK OF INDIA   IDBI BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
IDBI BANK
Mar-15
UNITED BANK OF INDIA/
IDBI BANK
5-Yr Chart
Click to enlarge
High Rs32113 28.1%   
Low Rs1760 28.0%   
Income per share (Unadj.) Rs118.4175.6 67.4%  
Earnings per share (Unadj.) Rs-3.45.9 -57.2%  
Cash flow per share (Unadj.) Rs-15.56.0 -255.6%  
Dividends per share (Unadj.) Rs00.75 0.0%  
Avg Dividend yield %00.9 0.0%  
Book value per share (Unadj.) Rs69.6152.0 45.8%  
Shares outstanding (eoy) m839.511,603.96 52.3%   
Bonus/Rights/Conversions -ESOP-  
Avg Price / Income ratio x0.20.5 41.6%   
Avg P/E ratio x-7.214.7 -49.0%  
Avg P/CF ratio x0.92.6 35.6%  
Avg Price/Bookvalue ratio x0.30.6 61.3%  
Dividend payout %012.8 0.0%   
Avg Mkt Cap Rs m20,358138,662 14.7%   
No. of employees `00015.016.6 90.5%   
Total wages & salary Rs m10,97420,112 54.6%   
Avg. income/employee Rs Th6,632.817,012.5 39.0%   
Avg. wages/employee Rs Th732.51,214.9 60.3%   
Avg. net profit/employee Rs Th-188.2568.9 -33.1%   
INCOME DATA
Interest income Rs m99,367281,643 35.3%  
Other income Rs m14,67541,892 35.0%   
Interest expense Rs m76,561223,872 34.2%   
Net interest income Rs m22,80657,771 39.5%  
Operating expense Rs m19,36341,046 47.2%   
Gross profit Rs m3,44316,725 20.6%  
Gross profit margin %3.55.9 58.3%  
Provisions/contingencies Rs m25,22844,905 56.2%   
Profit before tax Rs m-7,11013,403 -53.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0155 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,2904,139 -103.6%   
Profit after tax Rs m-2,8209,418 -29.9%  
Net profit margin %-2.83.3 -84.9%  
BALANCE SHEET DATA
Advances Rs m680,6022,083,769 32.7%   
Deposits Rs m1,164,0132,595,230 44.9%  
Credit/Deposit ratio x58.580.3 72.8%  
Yield on advances %9.710.0 97.4%   
Cost of deposits %6.26.8 90.8%   
Net Interest Margin %1.91.7 112.0%  
Net fixed assets Rs m12,10930,800 39.3%   
Share capital Rs m8,39516,040 52.3%   
Free reserves Rs m17,690156,910 11.3%   
Net worth Rs m58,392243,749 24.0%   
Borrowings Rs m29,125618,330 4.7%   
Investments Rs m447,2341,206,093 37.1%   
Total assets Rs m1,294,3183,559,309 36.4%  
Debt/equity ratio x20.413.2 155.0%   
Return on assets %-0.20.3 -82.3%  
Return on equity %-4.83.9 -125.0%  
Capital adequacy ratio %10.511.8 88.9%  
Net NPAs %9.02.9 313.9%  
CASH FLOW
From Operations Rs m24,276-19,906 -122.0%  
From Investments Rs m-896-2,716 33.0%  
From Financial Activity Rs m-429-610 70.2%  
Net Cashflow Rs m22,951-23,232 -98.8%  

Share Holding

Indian Promoters % 88.0 71.7 122.7%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 13.7 38.0%  
FIIs % 0.3 3.4 8.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 11.2 58.0%  
Shareholders   78,272 438,231 17.9%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   SYNDICATE BANK  CITY UNION BANK  BANK OF BARODA  PNB  J&K BANK  

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



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Aug 23, 2017 (Close)

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