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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 -29.8 - View Chart
P/BV x 0.0 0.1 23.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   PNB
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
PNB
Mar-20
UNITED BANK OF INDIA/
PNB
5-Yr Chart
Click to enlarge
High Rs15100 14.8%   
Low Rs929 31.6%   
Income per share (Unadj.) Rs11.581.5 14.1%  
Earnings per share (Unadj.) Rs-3.10.7 -479.1%  
Cash flow per share (Unadj.) Rs-10.3-3.3 313.6%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs15.594.8 16.3%  
Shares outstanding (eoy) m7,427.926,737.57 110.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.00.8 131.4%   
Avg P/E ratio x-3.898.9 -3.9%  
Avg P/CF ratio x2.42.8 87.4%  
Avg Price/Bookvalue ratio x0.80.7 113.7%  
Dividend payout %00-   
Avg Mkt Cap Rs m88,764433,563 20.5%   
No. of employees `00014.368.8 20.8%   
Total wages & salary Rs m19,54570,600 27.7%   
Avg. income/employee Rs Th5,987.67,984.5 75.0%   
Avg. wages/employee Rs Th1,367.21,026.4 133.2%   
Avg. net profit/employee Rs Th-1,620.063.7 -2,541.3%   
INCOME DATA
Interest income Rs m85,599549,185 15.6%  
Other income Rs m23,84693,877 25.4%   
Interest expense Rs m65,853369,975 17.8%   
Net interest income Rs m19,746179,210 11.0%  
Operating expense Rs m29,476121,505 24.3%   
Gross profit Rs m-9,73057,705 -16.9%  
Gross profit margin %-11.410.5 -108.2%  
Provisions/contingencies Rs m59,925152,585 39.3%   
Profit before tax Rs m-45,80910,237 -447.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-1,216 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-22,6504,637 -488.5%   
Profit after tax Rs m-23,1594,385 -528.2%  
Net profit margin %-27.10.8 -3,388.9%  
BALANCE SHEET DATA
Advances Rs m669,5514,768,533 14.0%   
Deposits Rs m1,349,8337,102,544 19.0%  
Credit/Deposit ratio x49.667.1 73.9%  
Yield on advances %7.67.6 99.7%   
Cost of deposits %4.74.9 96.5%   
Net Interest Margin %1.42.2 64.7%  
Net fixed assets Rs m12,40172,620 17.1%   
Share capital Rs m74,27913,475 551.2%   
Free reserves Rs m40,710625,289 6.5%   
Net worth Rs m114,989638,764 18.0%   
Borrowings Rs m22,037625,124 3.5%   
Investments Rs m609,7602,537,825 24.0%   
Total assets Rs m1,515,2998,514,573 17.8%  
Debt/equity ratio x11.912.1 98.6%   
Return on assets %-1.50.1 -2,968.0%  
Return on equity %-20.10.7 -2,934.2%  
Capital adequacy ratio %13.014.1 91.9%  
Net NPAs %8.75.8 150.0%  
CASH FLOW
From Operations Rs m-150,737-113,362 133.0%  
From Investments Rs m-732-15,159 4.8%  
From Financial Activity Rs m45,761135,571 33.8%  
Net Cashflow Rs m-105,7087,050 -1,499.4%  

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  IDFC FIRST BANK  ICICI BANK  FEDERAL BANK  

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



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UNITED BANK OF INDIA Announces Quarterly Results (2QFY20); Net Profit Up 114.0% (Quarterly Result Update)

Nov 5, 2019 | Updated on Nov 5, 2019

For the quarter ended September 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 114.0% YoY). Sales on the other hand came in at Rs 24 bn (up 14.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

UNITED BANK OF INDIA Announces Quarterly Results (1QFY20); Net Profit Up 127.0% (Quarterly Result Update)

Aug 1, 2019 | Updated on Aug 1, 2019

For the quarter ended June 2019, UNITED BANK OF INDIA has posted a net profit of Rs 1 bn (up 127.0% YoY). Sales on the other hand came in at Rs 24 bn (up 10.2% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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