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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 -0.2 22.5 - View Chart
P/BV x 0.1 0.9 15.6% View Chart
Dividend Yield % 0.0 1.1 -  

Financials

 UNITED BANK OF INDIA   SBI
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
SBI
Mar-17
UNITED BANK OF INDIA/
SBI
5-Yr Chart
Click to enlarge
High Rs32294 10.8%   
Low Rs17167 10.1%   
Income per share (Unadj.) Rs118.4289.0 41.0%  
Earnings per share (Unadj.) Rs-3.40.3 -1,110.3%  
Cash flow per share (Unadj.) Rs-15.534.6 -44.7%  
Dividends per share (Unadj.) Rs02.60 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs69.6272.4 25.5%  
Shares outstanding (eoy) m839.517,974.33 10.5%   
Bonus/Rights/Conversions -OI-  
Avg Price / Income ratio x0.20.8 25.7%   
Avg P/E ratio x-7.2761.8 -0.9%  
Avg P/CF ratio x0.93.0 30.4%  
Avg Price/Bookvalue ratio x0.30.8 41.2%  
Dividend payout %0859.5 0.0%   
Avg Mkt Cap Rs m20,3581,837,684 1.1%   
No. of employees `00015.0209.6 7.1%   
Total wages & salary Rs m10,974356,912 3.1%   
Avg. income/employee Rs Th6,632.810,996.4 60.3%   
Avg. wages/employee Rs Th732.51,703.1 43.0%   
Avg. net profit/employee Rs Th-188.211.5 -1,635.1%   
INCOME DATA
Interest income Rs m99,3672,304,475 4.3%  
Other income Rs m14,675681,930 2.2%   
Interest expense Rs m76,5611,491,147 5.1%   
Net interest income Rs m22,806813,328 2.8%  
Operating expense Rs m19,363872,901 2.2%   
Gross profit Rs m3,443-59,573 -5.8%  
Gross profit margin %3.5-2.6 -134.0%  
Provisions/contingencies Rs m25,228612,909 4.1%   
Profit before tax Rs m-7,1109,448 -75.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m03,386 0.0%   
Prior Period Items Rs m02,933 0.0%   
Tax Rs m-4,29013,355 -32.1%   
Profit after tax Rs m-2,8202,412 -116.9%  
Net profit margin %-2.80.1 -2,710.7%  
BALANCE SHEET DATA
Advances Rs m680,60218,968,868 3.6%   
Deposits Rs m1,164,01325,998,107 4.5%  
Credit/Deposit ratio x58.573.0 80.1%  
Yield on advances %9.78.3 117.8%   
Cost of deposits %6.25.3 115.6%   
Net Interest Margin %1.92.5 74.0%  
Net fixed assets Rs m12,109509,407 2.4%   
Share capital Rs m8,3957,974 105.3%   
Free reserves Rs m17,6902,163,948 0.8%   
Net worth Rs m58,3922,171,922 2.7%   
Borrowings Rs m29,1253,363,657 0.9%   
Investments Rs m447,23410,272,809 4.4%   
Total assets Rs m1,294,31834,451,216 3.8%  
Debt/equity ratio x20.413.5 151.1%   
Return on assets %-0.20 -3,111.1%  
Return on equity %-4.80.1 -4,347.6%  
Capital adequacy ratio %10.513.6 77.1%  
Net NPAs %9.03.7 243.7%  
CASH FLOW
From Operations Rs m24,276774,060 3.1%  
From Investments Rs m-896-28,321 3.2%  
From Financial Activity Rs m-429-41,965 1.0%  
Net Cashflow Rs m22,951703,774 3.3%  

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:   ICICI BANK  BANK OF BARODA  ORIENTAL BANK  CITY UNION BANK  BANK OF INDIA  

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



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