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Compare United Bank of India with PNB - Equitymaster

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UNITED BANK OF INDIA vs PNB - Comparison Results

PNB 
   Change

Punjab National Bank (PNB) is the third largest banking entity in the country with 7% share of the total non-food credit disbursals at the end of FY12. Robust growth and stellar margins has pegged the bank amongst the frontrunners in the PSU banking ... More

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Current Valuations

    UNITED BANK OF INDIA PNB UNITED BANK OF INDIA/
PNB
 
P/E (TTM) x -0.5 -0.9 - View Chart
P/BV x 0.1 0.3 30.8% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   PNB
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
PNB
Mar-18
UNITED BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs23214 10.7%   
Low Rs1193 11.3%   
Income per share (Unadj.) Rs27.8176.5 15.8%  
Earnings per share (Unadj.) Rs-4.8-45.7 10.6%  
Cash flow per share (Unadj.) Rs-14.1-79.6 17.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs28.9153.9 18.8%  
Shares outstanding (eoy) m2,999.992,760.57 108.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.60.9 68.9%   
Avg P/E ratio x-3.4-3.4 102.2%  
Avg P/CF ratio x2.013.4 14.8%  
Avg Price/Bookvalue ratio x0.61.0 57.9%  
Dividend payout %00-   
Avg Mkt Cap Rs m49,950423,471 11.8%   
No. of employees `000NA74.9 0.0%   
Total wages & salary Rs m17,12692,424 18.5%   
Avg. income/employee Rs ThNM6,505.6-  
Avg. wages/employee Rs ThNM1,234.0-  
Avg. net profit/employee Rs ThN.A.-1,682.7-  
INCOME DATA
Interest income Rs m83,416487,249 17.1%  
Other income Rs m22,14688,833 24.9%   
Interest expense Rs m68,488335,304 20.4%   
Net interest income Rs m14,929151,945 9.8%  
Operating expense Rs m26,834136,426 19.7%   
Gross profit Rs m-11,90515,519 -76.7%  
Gross profit margin %-14.33.2 -448.1%  
Provisions/contingencies Rs m39,728157,577 25.2%   
Profit before tax Rs m-29,487-198,462 14.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-188 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-14,942-72,618 20.6%   
Profit after tax Rs m-14,545-126,031 11.5%  
Net profit margin %-17.4-25.9 67.4%  
BALANCE SHEET DATA
Advances Rs m624,9024,387,980 14.2%   
Deposits Rs m1,293,2646,484,390 19.9%  
Credit/Deposit ratio x48.367.7 71.4%  
Yield on advances %8.17.4 109.2%   
Cost of deposits %5.14.7 108.1%   
Net Interest Margin %1.12.0 54.8%  
Net fixed assets Rs m12,93163,743 20.3%   
Share capital Rs m30,0005,521 543.4%   
Free reserves Rs m22,244268,284 8.3%   
Net worth Rs m86,616424,851 20.4%   
Borrowings Rs m33,061653,297 5.1%   
Investments Rs m504,0182,059,102 24.5%   
Total assets Rs m1,447,4877,789,949 18.6%  
Debt/equity ratio x15.316.8 91.1%   
Return on assets %-1.0-1.6 62.1%  
Return on equity %-16.8-29.7 56.6%  
Capital adequacy ratio %12.69.2 137.2%  
Net NPAs %16.511.2 146.7%  
CASH FLOW
From Operations Rs m46,588-1,402 -3,322.7%  
From Investments Rs m-2,347-11,032 21.3%  
From Financial Activity Rs m27,94273,524 38.0%  
Net Cashflow Rs m72,18361,091 118.2%  

Share Holding

Indian Promoters % 88.0 58.9 149.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 18.7 27.8%  
FIIs % 0.3 17.2 1.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 5.3 122.6%  
Shareholders   78,272 215,441 36.3%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   DENA BANK  IDBI BANK  IDFC BANK LTD  CORPORATION BANK  SBI  

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



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