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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 -0.3 -0.3 - View Chart
P/BV x 0.1 0.1 70.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   INDIAN OVERSEAS BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-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:   PUNJAB & SIND BANK  UNION BANK  CITY UNION BANK  KARUR VYSYA BANK  PNB  

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



Today's Market

Sensex Ends Marginally Higher; Realty and IT Stocks Witness Buying(Closing)

Indian share markets witnessed volatility during closing hours and ended their day marginally higher. Gains were largely seen in the realty sector and IT sector.

Related Views on News

UNITED BANK OF INDIA Announces Quarterly Results (3QFY19); Net Profit Down 78.7% (Quarterly Result Update)

Feb 13, 2019 | Updated on Feb 13, 2019

For the quarter ended December 2018, UNITED BANK OF INDIA has posted a net profit of Rs 11 bn (down 78.7% YoY). Sales on the other hand came in at Rs 21 bn (up 3.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (3QFY19); Net Profit Up 63.2% (Quarterly Result Update)

Jan 28, 2019 | Updated on Jan 28, 2019

For the quarter ended December 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 3 bn (up 63.2% YoY). Sales on the other hand came in at Rs 45 bn (up 6.8% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (2QFY19); Net Profit Down 156.1% (Quarterly Result Update)

Nov 21, 2018 | Updated on Nov 21, 2018

For the quarter ended September 2018, UNITED BANK OF INDIA has posted a net profit of Rs 9 bn (down 156.1% YoY). Sales on the other hand came in at Rs 21 bn (up 2.3% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

INDIAN OVERSEAS BANK Announces Quarterly Results (2QFY19); Net Profit Up 58.6% (Quarterly Result Update)

Nov 9, 2018 | Updated on Nov 9, 2018

For the quarter ended September 2018, INDIAN OVERSEAS BANK has posted a net profit of Rs 5 bn (up 58.6% YoY). Sales on the other hand came in at Rs 43 bn (down 7.8% YoY). Read on for a complete analysis of INDIAN OVERSEAS BANK's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY19); Net Profit Up 83.8% (Quarterly Result Update)

Aug 14, 2018 | Updated on Aug 14, 2018

For the quarter ended June 2018, UNITED BANK OF INDIA has posted a net profit of Rs 4 bn (up 83.8% YoY). Sales on the other hand came in at Rs 22 bn (up 3.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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