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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 -0.5 -0.6 - View Chart
P/BV x 0.1 0.2 47.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   ORIENTAL BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
ORIENTAL BANK
Mar-18
UNITED BANK OF INDIA/
ORIENTAL BANK
5-Yr Chart
Click to enlarge
High Rs23191 11.9%   
Low Rs1184 12.5%   
Income per share (Unadj.) Rs27.8275.0 10.1%  
Earnings per share (Unadj.) Rs-4.8-92.8 5.2%  
Cash flow per share (Unadj.) Rs-14.1-194.4 7.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs28.9186.3 15.5%  
Shares outstanding (eoy) m2,999.99632.77 474.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.60.5 119.8%   
Avg P/E ratio x-3.4-1.5 231.9%  
Avg P/CF ratio x2.02.2 89.6%  
Avg Price/Bookvalue ratio x0.60.7 78.2%  
Dividend payout %00-   
Avg Mkt Cap Rs m49,95086,943 57.5%   
No. of employees `000NA22.0 0.0%   
Total wages & salary Rs m17,12617,566 97.5%   
Avg. income/employee Rs ThNM7,916.9-  
Avg. wages/employee Rs ThNM799.3-  
Avg. net profit/employee Rs ThN.A.-2,671.8-  
INCOME DATA
Interest income Rs m83,416173,989 47.9%  
Other income Rs m22,14627,824 79.6%   
Interest expense Rs m68,488128,881 53.1%   
Net interest income Rs m14,92945,108 33.1%  
Operating expense Rs m26,83435,900 74.7%   
Gross profit Rs m-11,9059,208 -129.3%  
Gross profit margin %-14.35.3 -269.7%  
Provisions/contingencies Rs m39,72897,976 40.5%   
Profit before tax Rs m-29,487-60,944 48.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-14,942-2,227 671.0%   
Profit after tax Rs m-14,545-58,717 24.8%  
Net profit margin %-17.4-33.7 51.7%  
BALANCE SHEET DATA
Advances Rs m624,9021,363,679 45.8%   
Deposits Rs m1,293,2642,073,461 62.4%  
Credit/Deposit ratio x48.365.8 73.5%  
Yield on advances %8.18.9 91.0%   
Cost of deposits %5.15.8 87.7%   
Net Interest Margin %1.12.1 54.7%  
Net fixed assets Rs m12,93125,496 50.7%   
Share capital Rs m30,0006,328 474.1%   
Free reserves Rs m22,244115,677 19.2%   
Net worth Rs m86,616117,868 73.5%   
Borrowings Rs m33,06196,941 34.1%   
Investments Rs m504,018699,023 72.1%   
Total assets Rs m1,447,4872,333,440 62.0%  
Debt/equity ratio x15.318.4 83.2%   
Return on assets %-1.0-2.5 39.9%  
Return on equity %-16.8-49.8 33.7%  
Capital adequacy ratio %12.610.5 120.2%  
Net NPAs %16.510.5 157.3%  
CASH FLOW
From Operations Rs m46,588-36,389 -128.0%  
From Investments Rs m-2,347-4,506 52.1%  
From Financial Activity Rs m27,9423,447 810.7%  
Net Cashflow Rs m72,183-37,448 -192.8%  

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:   YES BANK  IDFC BANK LTD  UNION BANK  IDBI BANK  DCB BANK  

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



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