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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 0.7 10.7 6.9% View Chart
P/BV x 0.0 1.4 2.0% View Chart
Dividend Yield % 0.0 1.2 -  

Financials

 UNITED BANK OF INDIA   INDUSIND BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
INDUSIND BANK
Mar-19
UNITED BANK OF INDIA/
INDUSIND BANK
5-Yr Chart
Click to enlarge
High Rs152,021 0.7%   
Low Rs91,397 0.7%   
Income per share (Unadj.) Rs11.5369.4 3.1%  
Earnings per share (Unadj.) Rs-3.154.8 -5.7%  
Cash flow per share (Unadj.) Rs-10.3137.4 -7.5%  
Dividends per share (Unadj.) Rs07.50 0.0%  
Avg Dividend yield %00.4 0.0%  
Book value per share (Unadj.) Rs15.5442.6 3.5%  
Shares outstanding (eoy) m7,427.92602.69 1,232.5%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x1.04.6 22.4%   
Avg P/E ratio x-3.831.2 -12.3%  
Avg P/CF ratio x2.416.1 15.0%  
Avg Price/Bookvalue ratio x0.83.9 20.0%  
Dividend payout %013.7 0.0%   
Avg Mkt Cap Rs m88,7641,029,967 8.6%   
No. of employees `00014.327.7 51.5%   
Total wages & salary Rs m19,54518,535 105.4%   
Avg. income/employee Rs Th5,987.68,025.2 74.6%   
Avg. wages/employee Rs Th1,367.2668.2 204.6%   
Avg. net profit/employee Rs Th-1,620.01,190.1 -136.1%   
INCOME DATA
Interest income Rs m85,599222,612 38.5%  
Other income Rs m23,84656,467 42.2%   
Interest expense Rs m65,853134,150 49.1%   
Net interest income Rs m19,74688,462 22.3%  
Operating expense Rs m29,47664,053 46.0%   
Gross profit Rs m-9,73024,409 -39.9%  
Gross profit margin %-11.411.0 -103.7%  
Provisions/contingencies Rs m59,92531,077 192.8%   
Profit before tax Rs m-45,80949,806 -92.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,65016,795 -134.9%   
Profit after tax Rs m-23,15933,011 -70.2%  
Net profit margin %-27.114.8 -182.5%  
BALANCE SHEET DATA
Advances Rs m669,5511,863,935 35.9%   
Deposits Rs m1,349,8331,948,679 69.3%  
Credit/Deposit ratio x49.695.7 51.9%  
Yield on advances %7.69.8 77.2%   
Cost of deposits %4.75.4 86.1%   
Net Interest Margin %1.43.4 42.3%  
Net fixed assets Rs m12,40117,100 72.5%   
Share capital Rs m74,2796,027 1,232.5%   
Free reserves Rs m40,710260,734 15.6%   
Net worth Rs m114,989266,761 43.1%   
Borrowings Rs m22,037473,211 4.7%   
Investments Rs m609,760592,680 102.9%   
Total assets Rs m1,515,2992,778,207 54.5%  
Debt/equity ratio x11.99.1 131.4%   
Return on assets %-1.51.2 -128.6%  
Return on equity %-20.112.4 -162.8%  
Capital adequacy ratio %13.014.2 91.8%  
Net NPAs %8.71.2 716.5%  
CASH FLOW
From Operations Rs m-150,737-63,890 235.9%  
From Investments Rs m-732-6,379 11.5%  
From Financial Activity Rs m45,76185,897 53.3%  
Net Cashflow Rs m-105,70815,675 -674.4%  

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:   RBL BANK  DCB BANK  ANDHRA BANK  KOTAK MAHINDRA BANK  KARNATAKA BANK  

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



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