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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 -0.6 -0.3 - View Chart
P/BV x 0.1 0.1 120.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
INDIAN OVERSEAS BANK
Mar-16
UNITED BANK OF INDIA/
INDIAN OVERSEAS BANK
5-Yr Chart
Click to enlarge
High Rs3248 66.7%   
Low Rs1721 79.6%   
Income per share (Unadj.) Rs118.4130.1 91.0%  
Earnings per share (Unadj.) Rs-3.4-18.7 17.9%  
Cash flow per share (Unadj.) Rs-15.5-32.1 48.1%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.686.7 80.2%  
Shares outstanding (eoy) m839.511,807.27 46.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.3 77.7%   
Avg P/E ratio x-7.2-1.8 394.5%  
Avg P/CF ratio x0.91.9 47.3%  
Avg Price/Bookvalue ratio x0.30.4 88.1%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,35861,989 32.8%   
No. of employees `00015.0NA-   
Total wages & salary Rs m10,97433,904 32.4%   
Avg. income/employee Rs Th6,632.8NM-  
Avg. wages/employee Rs Th732.5NM-  
Avg. net profit/employee Rs Th-188.2N.A.-  
INCOME DATA
Interest income Rs m99,367235,173 42.3%  
Other income Rs m14,67525,283 58.0%   
Interest expense Rs m76,561181,346 42.2%   
Net interest income Rs m22,80653,827 42.4%  
Operating expense Rs m19,36350,255 38.5%   
Gross profit Rs m3,4433,572 96.4%  
Gross profit margin %3.51.5 228.1%  
Provisions/contingencies Rs m25,22866,136 38.1%   
Profit before tax Rs m-7,110-42,179 16.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,290-8,308 51.6%   
Profit after tax Rs m-2,820-33,872 8.3%  
Net profit margin %-2.8-14.4 19.7%  
BALANCE SHEET DATA
Advances Rs m680,6021,608,607 42.3%   
Deposits Rs m1,164,0132,245,142 51.8%  
Credit/Deposit ratio x58.571.6 81.6%  
Yield on advances %9.710.4 94.0%   
Cost of deposits %6.27.2 85.3%   
Net Interest Margin %1.92.1 91.8%  
Net fixed assets Rs m12,10932,705 37.0%   
Share capital Rs m8,39518,073 46.5%   
Free reserves Rs m17,69089,452 19.8%   
Net worth Rs m58,392156,658 37.3%   
Borrowings Rs m29,125271,833 10.7%   
Investments Rs m447,234791,896 56.5%   
Total assets Rs m1,294,3182,744,368 47.2%  
Debt/equity ratio x20.416.1 127.2%   
Return on assets %-0.2-1.2 17.7%  
Return on equity %-4.8-21.6 22.3%  
Capital adequacy ratio %10.59.7 108.3%  
Net NPAs %9.011.9 76.0%  
CASH FLOW
From Operations Rs m24,276-15,515 -156.5%  
From Investments Rs m-896-2,536 35.3%  
From Financial Activity Rs m-429-8,472 5.1%  
Net Cashflow Rs m22,951-26,523 -86.5%  

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:   IDBI BANK  KOTAK MAH. BANK  PUNJAB & SIND BANK  BANK OF BARODA  FEDERAL BANK  

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



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