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Compare United Bank of India with Karur Vysya Bank - Equitymaster
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UNITED BANK OF INDIA vs KARUR VYSYA BANK - Comparison Results

KARUR VYSYA BANK 
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The Karur Vysya Bank Ltd. has been ranked as one of the top five banks in the private sector. The bank has a strong hold in the South with a total of 216 branches across the nation as on 31st March 2004. It is one of the oldest private sector banks o... More

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Current Valuations

    UNITED BANK OF INDIA KARUR VYSYA BANK UNITED BANK OF INDIA/
KARUR VYSYA BANK
 
P/E (TTM) x -0.6 11.2 - View Chart
P/BV x 0.2 1.6 10.8% View Chart
Dividend Yield % 0.0 11.7 -  

Financials

 UNITED BANK OF INDIA   KARUR VYSYA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
KARUR VYSYA BANK
Mar-15
UNITED BANK OF INDIA/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs32619 5.1%   
Low Rs17355 4.7%   
Income per share (Unadj.) Rs118.4443.7 26.7%  
Earnings per share (Unadj.) Rs-3.440.6 -8.3%  
Cash flow per share (Unadj.) Rs-15.591.7 -16.8%  
Dividends per share (Unadj.) Rs013.00 0.0%  
Avg Dividend yield %02.7 0.0%  
Book value per share (Unadj.) Rs69.6349.1 19.9%  
Shares outstanding (eoy) m839.51121.62 690.3%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.21.1 18.7%   
Avg P/E ratio x-7.212.0 -60.3%  
Avg P/CF ratio x0.96.1 15.0%  
Avg Price/Bookvalue ratio x0.31.4 25.0%  
Dividend payout %032.0 0.0%   
Avg Mkt Cap Rs m20,35859,235 34.4%   
No. of employees `00015.07.2 208.2%   
Total wages & salary Rs m10,9745,471 200.6%   
Avg. income/employee Rs Th6,632.87,497.4 88.5%   
Avg. wages/employee Rs Th732.5760.1 96.4%   
Avg. net profit/employee Rs Th-188.2686.9 -27.4%   
INCOME DATA
Interest income Rs m99,36753,959 184.2%  
Other income Rs m14,6755,808 252.7%   
Interest expense Rs m76,56139,300 194.8%   
Net interest income Rs m22,80614,659 155.6%  
Operating expense Rs m19,36311,035 175.5%   
Gross profit Rs m3,4433,625 95.0%  
Gross profit margin %3.56.7 51.6%  
Provisions/contingencies Rs m25,2284,805 525.0%   
Profit before tax Rs m-7,1104,928 -144.3%   
Extraordinary Inc (Exp) Rs m087 0.0%   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,29072 -5,983.3%   
Profit after tax Rs m-2,8204,943 -57.0%  
Net profit margin %-2.89.2 -31.0%  
BALANCE SHEET DATA
Advances Rs m680,602361,089 188.5%   
Deposits Rs m1,164,013446,903 260.5%  
Credit/Deposit ratio x58.580.8 72.4%  
Yield on advances %9.711.7 83.5%   
Cost of deposits %6.27.9 77.9%   
Net Interest Margin %1.92.8 66.3%  
Net fixed assets Rs m12,1094,112 294.5%   
Share capital Rs m8,3951,216 690.2%   
Free reserves Rs m17,69025,054 70.6%   
Net worth Rs m58,39242,460 137.5%   
Borrowings Rs m29,12529,008 100.4%   
Investments Rs m447,234127,730 350.1%   
Total assets Rs m1,294,318531,525 243.5%  
Debt/equity ratio x20.411.2 182.3%   
Return on assets %-0.20.9 -23.4%  
Return on equity %-4.811.6 -41.5%  
Capital adequacy ratio %10.514.6 71.5%  
Net NPAs %9.00.8 1,159.0%  
CASH FLOW
From Operations Rs m24,276-3,090 -785.8%  
From Investments Rs m-896-1,023 87.6%  
From Financial Activity Rs m-4294,822 -8.9%  
Net Cashflow Rs m22,951710 3,234.8%  

Share Holding

Indian Promoters % 88.0 3.0 2,933.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 12.4 41.9%  
FIIs % 0.3 25.1 1.2%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 59.4 10.9%  
Shareholders   78,272 74,641 104.9%  
Pledged promoter(s) holding % 0.0 8.7 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   BANK OF BARODA  HDFC BANK  DCB BANK  CORPORATION BANK  IDBI BANK  

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



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