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Compare United Bank of India with Indian Overseas Bank - Equitymaster

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UNITED BANK OF INDIA vs INDIAN OVERSEAS BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA INDIAN OVERSEAS BANK UNITED BANK OF INDIA/
INDIAN OVERSEAS BANK
 
P/E (TTM) x -0.5 -0.3 - View Chart
P/BV x 0.1 0.1 69.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
INDIAN OVERSEAS BANK
Mar-18
UNITED BANK OF INDIA/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs2332 70.8%   
Low Rs1117 61.0%   
Income per share (Unadj.) Rs27.836.6 75.9%  
Earnings per share (Unadj.) Rs-4.8-12.9 37.6%  
Cash flow per share (Unadj.) Rs-14.1-36.1 39.2%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs28.927.1 106.4%  
Shares outstanding (eoy) m2,999.994,890.77 61.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.60.7 88.8%   
Avg P/E ratio x-3.4-1.9 179.1%  
Avg P/CF ratio x2.01.5 136.2%  
Avg Price/Bookvalue ratio x0.60.9 63.4%  
Dividend payout %00-   
Avg Mkt Cap Rs m49,950120,802 41.3%   
No. of employees `000NA27.9 0.0%   
Total wages & salary Rs m17,12629,942 57.2%   
Avg. income/employee Rs ThNM6,412.9-  
Avg. wages/employee Rs ThNM1,071.8-  
Avg. net profit/employee Rs ThN.A.-2,255.0-  
INCOME DATA
Interest income Rs m83,416179,152 46.6%  
Other income Rs m22,14637,464 59.1%   
Interest expense Rs m68,488124,476 55.0%   
Net interest income Rs m14,92954,676 27.3%  
Operating expense Rs m26,83455,849 48.0%   
Gross profit Rs m-11,905-1,174 1,014.3%  
Gross profit margin %-14.3-0.7 2,178.4%  
Provisions/contingencies Rs m39,728145,930 27.2%   
Profit before tax Rs m-29,487-86,317 34.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-14,942-23,322 64.1%   
Profit after tax Rs m-14,545-62,995 23.1%  
Net profit margin %-17.4-35.2 49.6%  
BALANCE SHEET DATA
Advances Rs m624,9021,324,888 47.2%   
Deposits Rs m1,293,2642,168,318 59.6%  
Credit/Deposit ratio x48.361.1 79.1%  
Yield on advances %8.19.0 89.7%   
Cost of deposits %5.15.3 96.2%   
Net Interest Margin %1.12.4 46.7%  
Net fixed assets Rs m12,93128,934 44.7%   
Share capital Rs m30,00048,908 61.3%   
Free reserves Rs m22,24469,912 31.8%   
Net worth Rs m86,616132,740 65.3%   
Borrowings Rs m33,06192,281 35.8%   
Investments Rs m504,018686,459 73.4%   
Total assets Rs m1,447,4872,479,681 58.4%  
Debt/equity ratio x15.317.0 89.9%   
Return on assets %-1.0-2.5 39.6%  
Return on equity %-16.8-47.5 35.4%  
Capital adequacy ratio %12.69.3 136.4%  
Net NPAs %16.515.3 107.6%  
CASH FLOW
From Operations Rs m46,588-17,933 -259.8%  
From Investments Rs m-2,347-1,151 203.9%  
From Financial Activity Rs m27,94252,303 53.4%  
Net Cashflow Rs m72,18333,220 217.3%  

Share Holding

Indian Promoters % 88.0 73.8 119.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 15.3 34.0%  
FIIs % 0.3 1.9 15.8%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 9.1 71.4%  
Shareholders   78,272 250,609 31.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   VIJAYA BANK  AXIS BANK  BANK OF BARODA  ALLAHABAD BANK  CITY UNION BANK  

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



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