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Compare United Bank of India with Kotak Bank - Equitymaster

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UNITED BANK OF INDIA vs KOTAK MAH. BANK - Comparison Results

KOTAK MAH. BANK 
   Change

A flagship company of the well-known financial conglomerate Kotak Mahindra Group, Kotak Mahindra Bank was the first banking entity in the country created by conversion of a financial institution in 2003. The bank had 105 branches across 69 locations ... More

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Current Valuations

    UNITED BANK OF INDIA KOTAK MAH. BANK UNITED BANK OF INDIA/
KOTAK MAH. BANK
 
P/E (TTM) x -0.4 37.8 - View Chart
P/BV x 0.1 4.6 2.0% View Chart
Dividend Yield % 0.0 0.1 -  

Financials

 UNITED BANK OF INDIA   KOTAK MAH. BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
KOTAK MAH. BANK
Mar-18
UNITED BANK OF INDIA/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs231,133 2.0%   
Low Rs11868 1.2%   
Income per share (Unadj.) Rs27.8131.9 21.1%  
Earnings per share (Unadj.) Rs-4.832.5 -14.9%  
Cash flow per share (Unadj.) Rs-14.1127.8 -11.1%  
Dividends per share (Unadj.) Rs00.70 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs28.9264.9 10.9%  
Shares outstanding (eoy) m2,999.991,905.65 157.4%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.67.6 7.9%   
Avg P/E ratio x-3.430.7 -11.2%  
Avg P/CF ratio x2.026.4 7.5%  
Avg Price/Bookvalue ratio x0.63.8 15.3%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m49,9501,905,936 2.6%   
No. of employees `000NA35.7 0.0%   
Total wages & salary Rs m17,12643,809 39.1%   
Avg. income/employee Rs ThNM7,036.2-  
Avg. wages/employee Rs ThNM1,226.6-  
Avg. net profit/employee Rs ThN.A.1,736.1-  
INCOME DATA
Interest income Rs m83,416251,311 33.2%  
Other income Rs m22,146136,822 16.2%   
Interest expense Rs m68,488124,669 54.9%   
Net interest income Rs m14,929126,642 11.8%  
Operating expense Rs m26,834161,635 16.6%   
Gross profit Rs m-11,905-34,993 34.0%  
Gross profit margin %-14.3-13.9 102.5%  
Provisions/contingencies Rs m39,72810,247 387.7%   
Profit before tax Rs m-29,48791,582 -32.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-567 0.0%   
Prior Period Items Rs m01,105 0.0%   
Tax Rs m-14,94230,111 -49.6%   
Profit after tax Rs m-14,54562,010 -23.5%  
Net profit margin %-17.424.7 -70.7%  
BALANCE SHEET DATA
Advances Rs m624,9022,059,973 30.3%   
Deposits Rs m1,293,2641,912,358 67.6%  
Credit/Deposit ratio x48.3107.7 44.9%  
Yield on advances %8.18.9 90.8%   
Cost of deposits %5.14.6 110.2%   
Net Interest Margin %1.13.9 28.5%  
Net fixed assets Rs m12,93117,498 73.9%   
Share capital Rs m30,0009,528 314.9%   
Free reserves Rs m22,244419,105 5.3%   
Net worth Rs m86,616504,861 17.2%   
Borrowings Rs m33,061586,040 5.6%   
Investments Rs m504,018909,766 55.4%   
Total assets Rs m1,447,4873,377,205 42.9%  
Debt/equity ratio x15.34.9 309.4%   
Return on assets %-1.01.8 -54.7%  
Return on equity %-16.812.3 -136.7%  
Capital adequacy ratio %12.618.2 69.3%  
Net NPAs %16.51.0 1,649.0%  
CASH FLOW
From Operations Rs m46,588-103,924 -44.8%  
From Investments Rs m-2,347-56,083 4.2%  
From Financial Activity Rs m27,942146,794 19.0%  
Net Cashflow Rs m72,183-11,879 -607.6%  

Share Holding

Indian Promoters % 88.0 43.6 201.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 1.9 273.7%  
FIIs % 0.3 31.7 0.9%  
ADR/GDR % 0.0 0.2 -  
Free float % 6.5 22.7 28.6%  
Shareholders   78,272 64,886 120.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   CANARA BANK  ANDHRA BANK  J&K BANK  KARNATAKA BANK  VIJAYA BANK  

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



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