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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 -0.7 -18.7 - View Chart
P/BV x 0.2 0.6 36.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   PNB
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
PNB
Mar-16
UNITED BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs32167 19.0%   
Low Rs1771 23.6%   
Income per share (Unadj.) Rs118.4258.7 45.7%  
Earnings per share (Unadj.) Rs-3.4-19.6 17.2%  
Cash flow per share (Unadj.) Rs-15.5-60.5 25.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.6212.9 32.7%  
Shares outstanding (eoy) m839.511,963.60 42.8%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.20.5 44.5%   
Avg P/E ratio x-7.2-6.1 118.6%  
Avg P/CF ratio x0.91.8 50.2%  
Avg Price/Bookvalue ratio x0.30.6 62.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,358233,865 8.7%   
No. of employees `00015.070.8 21.2%   
Total wages & salary Rs m10,97465,645 16.7%   
Avg. income/employee Rs Th6,632.87,175.6 92.4%   
Avg. wages/employee Rs Th732.5927.2 79.0%   
Avg. net profit/employee Rs Th-188.2-542.8 34.7%   
INCOME DATA
Interest income Rs m99,367508,039 19.6%  
Other income Rs m14,67569,766 21.0%   
Interest expense Rs m76,561343,306 22.3%   
Net interest income Rs m22,806164,733 13.8%  
Operating expense Rs m19,363103,499 18.7%   
Gross profit Rs m3,44361,234 5.6%  
Gross profit margin %3.512.1 28.7%  
Provisions/contingencies Rs m25,228167,633 15.0%   
Profit before tax Rs m-7,110-52,931 13.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,797 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,290-16,299 26.3%   
Profit after tax Rs m-2,820-38,430 7.3%  
Net profit margin %-2.8-7.6 37.5%  
BALANCE SHEET DATA
Advances Rs m680,6024,460,830 15.3%   
Deposits Rs m1,164,0135,703,826 20.4%  
Credit/Deposit ratio x58.578.2 74.8%  
Yield on advances %9.78.4 116.5%   
Cost of deposits %6.25.4 115.1%   
Net Interest Margin %1.92.4 78.7%  
Net fixed assets Rs m12,10953,081 22.8%   
Share capital Rs m8,3953,927 213.8%   
Free reserves Rs m17,690295,310 6.0%   
Net worth Rs m58,392418,043 14.0%   
Borrowings Rs m29,125816,737 3.6%   
Investments Rs m447,2341,651,265 27.1%   
Total assets Rs m1,294,3187,127,930 18.2%  
Debt/equity ratio x20.415.6 131.0%   
Return on assets %-0.2-0.5 40.4%  
Return on equity %-4.8-9.2 52.5%  
Capital adequacy ratio %10.513.7 76.6%  
Net NPAs %9.08.6 105.0%  
CASH FLOW
From Operations Rs m24,276141,670 17.1%  
From Investments Rs m-896-13,515 6.6%  
From Financial Activity Rs m-42959,747 -0.7%  
Net Cashflow Rs m22,951187,902 12.2%  

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:   ING VYSYA BANK  SBI  DCB BANK  ICICI BANK  IDBI BANK  

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



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