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Compare United Bank of India with SBI - Equitymaster

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UNITED BANK OF INDIA vs SBI - Comparison Results

SBI 
   Change

SBI is India's largest bank in the country with an asset size of over Rs 13 trillion. Although the bank's loan book is largely skewed towards corporate (large, mid and small) loans (50% of total advances in FY12), the retail side is also fast catchin... More

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Current Valuations

    UNITED BANK OF INDIA SBI UNITED BANK OF INDIA/
SBI
 
P/E (TTM) x -0.4 -16.1 - View Chart
P/BV x 0.1 1.0 10.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   SBI
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
SBI
Mar-18
UNITED BANK OF INDIA/
SBI
5-Yr Chart
Click to enlarge
High Rs23337 6.8%   
Low Rs11235 4.5%   
Income per share (Unadj.) Rs27.8256.6 10.8%  
Earnings per share (Unadj.) Rs-4.8-5.1 95.0%  
Cash flow per share (Unadj.) Rs-14.111.4 -123.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs28.9258.1 11.2%  
Shares outstanding (eoy) m2,999.998,924.59 33.6%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.61.1 53.7%   
Avg P/E ratio x-3.4-56.0 6.1%  
Avg P/CF ratio x2.03.6 54.5%  
Avg Price/Bookvalue ratio x0.61.1 52.0%  
Dividend payout %00-   
Avg Mkt Cap Rs m49,9502,552,433 2.0%   
No. of employees `000NA264.0 0.0%   
Total wages & salary Rs m17,126354,106 4.8%   
Avg. income/employee Rs ThNM8,671.8-  
Avg. wages/employee Rs ThNM1,341.1-  
Avg. net profit/employee Rs ThN.A.-172.6-  
INCOME DATA
Interest income Rs m83,4162,289,703 3.6%  
Other income Rs m22,146775,572 2.9%   
Interest expense Rs m68,4881,466,030 4.7%   
Net interest income Rs m14,929823,673 1.8%  
Operating expense Rs m26,834961,544 2.8%   
Gross profit Rs m-11,905-137,871 8.6%  
Gross profit margin %-14.3-6.0 237.0%  
Provisions/contingencies Rs m39,728746,816 5.3%   
Profit before tax Rs m-29,487-109,114 27.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-8,070 0.0%   
Prior Period Items Rs m04,382 0.0%   
Tax Rs m-14,942-67,240 22.2%   
Profit after tax Rs m-14,545-45,563 31.9%  
Net profit margin %-17.4-2.0 876.2%  
BALANCE SHEET DATA
Advances Rs m624,90219,601,185 3.2%   
Deposits Rs m1,293,26427,221,783 4.8%  
Credit/Deposit ratio x48.372.0 67.1%  
Yield on advances %8.17.4 109.5%   
Cost of deposits %5.15.0 102.0%   
Net Interest Margin %1.12.5 45.5%  
Net fixed assets Rs m12,931412,258 3.1%   
Share capital Rs m30,0008,925 336.1%   
Free reserves Rs m22,2442,294,295 1.0%   
Net worth Rs m86,6162,303,220 3.8%   
Borrowings Rs m33,0613,690,793 0.9%   
Investments Rs m504,01811,837,942 4.3%   
Total assets Rs m1,447,48736,164,330 4.0%  
Debt/equity ratio x15.313.4 114.1%   
Return on assets %-1.0-0.1 797.5%  
Return on equity %-16.8-2.0 848.8%  
Capital adequacy ratio %12.612.7 99.1%  
Net NPAs %16.55.7 287.8%  
CASH FLOW
From Operations Rs m46,588-965,079 -4.8%  
From Investments Rs m-2,347110,658 -2.1%  
From Financial Activity Rs m27,94255,472 50.4%  
Net Cashflow Rs m72,183-779,081 -9.3%  

Share Holding

Indian Promoters % 88.0 58.6 150.2%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 20.9 24.9%  
FIIs % 0.3 9.7 3.1%  
ADR/GDR % 0.0 2.1 -  
Free float % 6.5 8.7 74.7%  
Shareholders   78,272 855,889 9.1%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   IDFC FIRST BANK  KARNATAKA BANK  VIJAYA BANK  ORIENTAL BANK  PUNJAB & SIND BANK  

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



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