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Compare United Bank of India with Indusind Bank - Equitymaster

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UNITED BANK OF INDIA vs INDUSIND BANK - Comparison Results

INDUSIND BANK 
   Change

IndusInd Bank Limited (IBL) started in April 94 with a capital base of Rs. 3 bn. The net worth of the bank witnessed an impressive growth during the past six years and now stands at Rs. 8 bn. The total deposits and advancesof the bank in FY04 grew by... More

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Current Valuations

    UNITED BANK OF INDIA INDUSIND BANK UNITED BANK OF INDIA/
INDUSIND BANK
 
P/E (TTM) x -0.6 32.6 - View Chart
P/BV x 0.1 5.7 2.5% View Chart
Dividend Yield % 0.0 0.3 -  

Financials

 UNITED BANK OF INDIA   INDUSIND BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
INDUSIND BANK
Mar-17
UNITED BANK OF INDIA/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs321,440 2.2%   
Low Rs17951 1.8%   
Income per share (Unadj.) Rs118.4240.8 49.1%  
Earnings per share (Unadj.) Rs-3.447.9 -7.0%  
Cash flow per share (Unadj.) Rs-15.5134.6 -11.5%  
Dividends per share (Unadj.) Rs06.00 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs69.6344.9 20.2%  
Shares outstanding (eoy) m839.51598.15 140.4%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.25.0 4.1%   
Avg P/E ratio x-7.224.9 -29.0%  
Avg P/CF ratio x0.918.1 5.0%  
Avg Price/Bookvalue ratio x0.33.5 10.1%  
Dividend payout %012.5 0.0%   
Avg Mkt Cap Rs m20,358715,178 2.8%   
No. of employees `00015.025.3 59.2%   
Total wages & salary Rs m10,97415,210 72.2%   
Avg. income/employee Rs Th6,632.85,690.8 116.6%   
Avg. wages/employee Rs Th732.5600.9 121.9%   
Avg. net profit/employee Rs Th-188.21,132.9 -16.6%   
INCOME DATA
Interest income Rs m99,367144,057 69.0%  
Other income Rs m14,67541,715 35.2%   
Interest expense Rs m76,56183,431 91.8%   
Net interest income Rs m22,80660,626 37.6%  
Operating expense Rs m19,36347,831 40.5%   
Gross profit Rs m3,44312,795 26.9%  
Gross profit margin %3.58.9 39.0%  
Provisions/contingencies Rs m25,22810,913 231.2%   
Profit before tax Rs m-7,11043,597 -16.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,29014,918 -28.8%   
Profit after tax Rs m-2,82028,679 -9.8%  
Net profit margin %-2.819.9 -14.3%  
BALANCE SHEET DATA
Advances Rs m680,6021,130,805 60.2%   
Deposits Rs m1,164,0131,265,722 92.0%  
Credit/Deposit ratio x58.589.3 65.4%  
Yield on advances %9.710.2 95.9%   
Cost of deposits %6.25.5 112.7%   
Net Interest Margin %1.93.6 52.3%  
Net fixed assets Rs m12,10913,352 90.7%   
Share capital Rs m8,3955,982 140.4%   
Free reserves Rs m17,690200,328 8.8%   
Net worth Rs m58,392206,309 28.3%   
Borrowings Rs m29,125224,537 13.0%   
Investments Rs m447,234367,021 121.9%   
Total assets Rs m1,294,3181,786,484 72.5%  
Debt/equity ratio x20.47.2 282.9%   
Return on assets %-0.21.6 -13.6%  
Return on equity %-4.813.9 -34.7%  
Capital adequacy ratio %10.515.3 68.3%  
Net NPAs %9.00.3 2,739.4%  
CASH FLOW
From Operations Rs m24,276115,693 21.0%  
From Investments Rs m-896-2,736 32.8%  
From Financial Activity Rs m-429-27,683 1.5%  
Net Cashflow Rs m22,95185,274 26.9%  

Share Holding

Indian Promoters % 88.0 0.0 -  
Foreign collaborators % 0.0 15.2 -  
Indian inst/Mut Fund % 5.2 7.5 69.3%  
FIIs % 0.3 43.3 0.7%  
ADR/GDR % 0.0 12.3 -  
Free float % 6.5 21.7 30.0%  
Shareholders   78,272 100,355 78.0%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   ANDHRA BANK  SYNDICATE BANK  ICICI BANK  CANARA BANK  SOUTH IND.BANK  

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



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