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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 0.7 11.3 6.5% View Chart
P/BV x 0.0 0.5 5.8% View Chart
Dividend Yield % 0.0 1.6 -  

Financials

 UNITED BANK OF INDIA   KARUR VYSYA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
KARUR VYSYA BANK
Mar-18
UNITED BANK OF INDIA/
KARUR VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs15161 9.2%   
Low Rs996 9.5%   
Income per share (Unadj.) Rs11.5392.2 2.9%  
Earnings per share (Unadj.) Rs-3.123.8 -13.1%  
Cash flow per share (Unadj.) Rs-10.344.8 -22.9%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs15.5431.1 3.6%  
Shares outstanding (eoy) m7,427.92145.32 5,111.4%   
Bonus/Rights/Conversions -IS-  
Avg Price / Income ratio x1.00.3 316.0%   
Avg P/E ratio x-3.85.4 -70.8%  
Avg P/CF ratio x2.41.2 209.0%  
Avg Price/Bookvalue ratio x0.80.3 258.5%  
Dividend payout %02.5 0.0%   
Avg Mkt Cap Rs m88,76418,703 474.6%   
No. of employees `00014.38.0 179.7%   
Total wages & salary Rs m19,5456,391 305.8%   
Avg. income/employee Rs Th5,987.67,164.0 83.6%   
Avg. wages/employee Rs Th1,367.2803.3 170.2%   
Avg. net profit/employee Rs Th-1,620.0434.5 -372.9%   
INCOME DATA
Interest income Rs m85,59956,997 150.2%  
Other income Rs m23,8468,999 265.0%   
Interest expense Rs m65,85334,015 193.6%   
Net interest income Rs m19,74622,981 85.9%  
Operating expense Rs m29,47614,207 207.5%   
Gross profit Rs m-9,7308,774 -110.9%  
Gross profit margin %-11.415.4 -73.8%  
Provisions/contingencies Rs m59,92512,737 470.5%   
Profit before tax Rs m-45,8095,037 -909.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-22,6501,580 -1,433.7%   
Profit after tax Rs m-23,1593,457 -670.0%  
Net profit margin %-27.16.1 -446.1%  
BALANCE SHEET DATA
Advances Rs m669,551448,002 149.5%   
Deposits Rs m1,349,833568,901 237.3%  
Credit/Deposit ratio x49.678.7 63.0%  
Yield on advances %7.69.9 76.6%   
Cost of deposits %4.75.8 80.5%   
Net Interest Margin %1.43.5 40.5%  
Net fixed assets Rs m12,4015,282 234.8%   
Share capital Rs m74,2791,453 5,111.1%   
Free reserves Rs m40,71061,189 66.5%   
Net worth Rs m114,98962,642 183.6%   
Borrowings Rs m22,03723,817 92.5%   
Investments Rs m609,760158,032 385.8%   
Total assets Rs m1,515,299669,291 226.4%  
Debt/equity ratio x11.99.5 126.1%   
Return on assets %-1.50.5 -295.9%  
Return on equity %-20.15.5 -365.0%  
Capital adequacy ratio %13.014.4 90.1%  
Net NPAs %8.74.2 208.4%  
CASH FLOW
From Operations Rs m-150,737-5,373 2,805.7%  
From Investments Rs m-732-1,943 37.7%  
From Financial Activity Rs m45,7616,834 669.6%  
Net Cashflow Rs m-105,708-482 21,940.3%  

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  RBL BANK  DHANLAXMI BANK  IDBI BANK  

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



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Mar 20, 2020 (Close)

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