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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 
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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 -0.6 43.3 - View Chart
P/BV x 0.1 6.3 2.3% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   KOTAK MAH. BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
KOTAK MAH. BANK
Mar-17
UNITED BANK OF INDIA/
KOTAK MAH. BANK
5-Yr Chart
Click to enlarge
High Rs32885 3.6%   
Low Rs17656 2.6%   
Income per share (Unadj.) Rs118.4121.3 97.6%  
Earnings per share (Unadj.) Rs-3.426.8 -12.5%  
Cash flow per share (Unadj.) Rs-15.5112.0 -13.8%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs69.6209.1 33.3%  
Shares outstanding (eoy) m839.511,840.90 45.6%   
Bonus/Rights/Conversions -B-  
Avg Price / Income ratio x0.26.4 3.2%   
Avg P/E ratio x-7.228.7 -25.1%  
Avg P/CF ratio x0.924.1 3.8%  
Avg Price/Bookvalue ratio x0.33.7 9.5%  
Dividend payout %02.2 0.0%   
Avg Mkt Cap Rs m20,3581,418,782 1.4%   
No. of employees `00015.044.0 34.0%   
Total wages & salary Rs m10,97439,823 27.6%   
Avg. income/employee Rs Th6,632.85,073.7 130.7%   
Avg. wages/employee Rs Th732.5905.1 80.9%   
Avg. net profit/employee Rs Th-188.21,122.8 -16.8%   
INCOME DATA
Interest income Rs m99,367223,242 44.5%  
Other income Rs m14,675116,596 12.6%   
Interest expense Rs m76,561114,576 66.8%   
Net interest income Rs m22,806108,667 21.0%  
Operating expense Rs m19,363142,454 13.6%   
Gross profit Rs m3,443-33,788 -10.2%  
Gross profit margin %3.5-15.1 -22.9%  
Provisions/contingencies Rs m25,2289,489 265.9%   
Profit before tax Rs m-7,11073,319 -9.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-788 0.0%   
Prior Period Items Rs m0702 0.0%   
Tax Rs m-4,29023,829 -18.0%   
Profit after tax Rs m-2,82049,404 -5.7%  
Net profit margin %-2.822.1 -12.8%  
BALANCE SHEET DATA
Advances Rs m680,6021,671 40,722.9%   
Deposits Rs m1,164,0131,555 74,836.9%  
Credit/Deposit ratio x58.5107.5 54.4%  
Yield on advances %9.79,944.3 0.1%   
Cost of deposits %6.25,183.7 0.1%   
Net Interest Margin %1.911.5 16.3%  
Net fixed assets Rs m12,10917,552 69.0%   
Share capital Rs m8,3959,205 91.2%   
Free reserves Rs m17,690312,282 5.7%   
Net worth Rs m58,392384,908 15.2%   
Borrowings Rs m29,125496,899 5.9%   
Investments Rs m447,234684,615 65.3%   
Total assets Rs m1,294,3182,761,876 46.9%  
Debt/equity ratio x20.41.3 1,577.9%   
Return on assets %-0.21.8 -12.2%  
Return on equity %-4.812.8 -37.6%  
Capital adequacy ratio %10.516.8 62.3%  
Net NPAs %9.01.3 695.4%  
CASH FLOW
From Operations Rs m24,276132,020 18.4%  
From Investments Rs m-896-52,681 1.7%  
From Financial Activity Rs m-42960,553 -0.7%  
Net Cashflow Rs m22,951139,891 16.4%  

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:   PNB  INDIAN OVERSEAS BANK  CORPORATION BANK  BANK OF MAHARASHTRA  SYNDICATE BANK  

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



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