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Compare United Bank of India with Oriental Bank - Equitymaster
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UNITED BANK OF INDIA vs ORIENTAL BANK - Comparison Results

ORIENTAL BANK 
   Change

Oriental Bank of Commerce (OBC) had historically enjoyed the repute of being one of the most efficient public sector banks in the country. However the merger with GTB in FY05 took a toll on the bank's asset quality and margins. As against most of its... More

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Current Valuations

    UNITED BANK OF INDIA ORIENTAL BANK UNITED BANK OF INDIA/
ORIENTAL BANK
 
P/E (TTM) x -0.7 2.6 - View Chart
P/BV x 0.2 0.3 90.5% View Chart
Dividend Yield % 0.0 0.6 -  

Financials

 UNITED BANK OF INDIA   ORIENTAL BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
ORIENTAL BANK
Mar-16
UNITED BANK OF INDIA/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs32235 13.5%   
Low Rs1775 22.3%   
Income per share (Unadj.) Rs118.4624.1 19.0%  
Earnings per share (Unadj.) Rs-3.46.2 -54.4%  
Cash flow per share (Unadj.) Rs-15.514.6 -105.5%  
Dividends per share (Unadj.) Rs00.70 0.0%  
Avg Dividend yield %00.5 0.0%  
Book value per share (Unadj.) Rs69.6464.9 15.0%  
Shares outstanding (eoy) m839.51321.40 261.2%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.20.2 82.4%   
Avg P/E ratio x-7.225.1 -28.7%  
Avg P/CF ratio x0.91.4 64.7%  
Avg Price/Bookvalue ratio x0.30.3 104.4%  
Dividend payout %011.3 0.0%   
Avg Mkt Cap Rs m20,35849,897 40.8%   
No. of employees `00015.0NA-   
Total wages & salary Rs m10,97420,317 54.0%   
Avg. income/employee Rs Th6,632.8NM-  
Avg. wages/employee Rs Th732.5NM-  
Avg. net profit/employee Rs Th-188.2N.A.-  
INCOME DATA
Interest income Rs m99,367200,587 49.5%  
Other income Rs m14,67517,663 83.1%   
Interest expense Rs m76,561146,841 52.1%   
Net interest income Rs m22,80653,746 42.4%  
Operating expense Rs m19,36334,588 56.0%   
Gross profit Rs m3,44319,158 18.0%  
Gross profit margin %3.59.6 36.3%  
Provisions/contingencies Rs m25,22833,562 75.2%   
Profit before tax Rs m-7,1103,682 -193.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2901,698 -252.7%   
Profit after tax Rs m-2,8201,985 -142.1%  
Net profit margin %-2.81.0 -286.8%  
BALANCE SHEET DATA
Advances Rs m680,6021,488,800 45.7%   
Deposits Rs m1,164,0132,089,148 55.7%  
Credit/Deposit ratio x58.571.3 82.0%  
Yield on advances %9.79.9 98.0%   
Cost of deposits %6.26.7 91.8%   
Net Interest Margin %1.92.4 78.7%  
Net fixed assets Rs m12,10922,719 53.3%   
Share capital Rs m8,3953,214 261.2%   
Free reserves Rs m17,69090,590 19.5%   
Net worth Rs m58,392149,411 39.1%   
Borrowings Rs m29,12578,974 36.9%   
Investments Rs m447,234656,578 68.1%   
Total assets Rs m1,294,3182,375,415 54.5%  
Debt/equity ratio x20.414.5 140.8%   
Return on assets %-0.20.1 -260.7%  
Return on equity %-4.81.3 -363.5%  
Capital adequacy ratio %10.511.8 88.9%  
Net NPAs %9.06.7 134.9%  
CASH FLOW
From Operations Rs m24,276-14,158 -171.5%  
From Investments Rs m-896-2,105 42.6%  
From Financial Activity Rs m-4298,130 -5.3%  
Net Cashflow Rs m22,951-8,134 -282.2%  

Share Holding

Indian Promoters % 88.0 59.1 148.9%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 24.0 21.7%  
FIIs % 0.3 9.9 3.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 7.0 92.9%  
Shareholders   78,272 114,330 68.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   CITY UNION BANK  DHANLAXMI BANK  HDFC BANK  INDIAN OVERSEAS BANK  CORPORATION BANK  

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



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