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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 0.7 14.6 5.0% View Chart
P/BV x 0.0 1.0 2.7% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   SBI
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-19
SBI
Mar-20
UNITED BANK OF INDIA/
SBI
5-Yr Chart
Click to enlarge
High Rs15373 4.0%   
Low Rs9174 5.2%   
Income per share (Unadj.) Rs11.5302.4 3.8%  
Earnings per share (Unadj.) Rs-3.122.1 -14.1%  
Cash flow per share (Unadj.) Rs-10.3128.1 -8.0%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs15.5281.3 5.5%  
Shares outstanding (eoy) m7,427.928,924.59 83.2%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x1.00.9 114.7%   
Avg P/E ratio x-3.812.3 -31.0%  
Avg P/CF ratio x2.43.6 66.2%  
Avg Price/Bookvalue ratio x0.81.0 79.4%  
Dividend payout %00-   
Avg Mkt Cap Rs m88,7642,440,429 3.6%   
No. of employees `00014.3249.4 5.7%   
Total wages & salary Rs m19,545488,510 4.0%   
Avg. income/employee Rs Th5,987.610,818.0 55.3%   
Avg. wages/employee Rs Th1,367.21,958.4 69.8%   
Avg. net profit/employee Rs Th-1,620.0792.5 -204.4%   
INCOME DATA
Interest income Rs m85,5992,698,517 3.2%  
Other income Rs m23,846981,590 2.4%   
Interest expense Rs m65,8531,611,238 4.1%   
Net interest income Rs m19,7461,087,279 1.8%  
Operating expense Rs m29,4761,317,816 2.2%   
Gross profit Rs m-9,730-230,537 4.2%  
Gross profit margin %-11.4-8.5 133.1%  
Provisions/contingencies Rs m59,925470,991 12.7%   
Profit before tax Rs m-45,809280,062 -16.4%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m0-13,722 0.0%   
Prior Period Items Rs m029,631 0.0%   
Tax Rs m-22,65098,294 -23.0%   
Profit after tax Rs m-23,159197,678 -11.7%  
Net profit margin %-27.17.3 -369.3%  
BALANCE SHEET DATA
Advances Rs m669,55123,743,112 2.8%   
Deposits Rs m1,349,83332,741,606 4.1%  
Credit/Deposit ratio x49.672.5 68.4%  
Yield on advances %7.67.8 96.7%   
Cost of deposits %4.74.5 103.6%   
Net Interest Margin %1.42.8 50.9%  
Net fixed assets Rs m12,401400,782 3.1%   
Share capital Rs m74,2798,925 832.3%   
Free reserves Rs m40,7102,501,677 1.6%   
Net worth Rs m114,9892,510,601 4.6%   
Borrowings Rs m22,0373,329,007 0.7%   
Investments Rs m609,76012,282,843 5.0%   
Total assets Rs m1,515,29941,974,923 3.6%  
Debt/equity ratio x11.914.4 83.0%   
Return on assets %-1.50.5 -324.5%  
Return on equity %-20.17.9 -255.8%  
Capital adequacy ratio %13.013.1 99.0%  
Net NPAs %8.72.2 388.8%  
CASH FLOW
From Operations Rs m-150,737239,285 -63.0%  
From Investments Rs m-732-33,237 2.2%  
From Financial Activity Rs m45,76154,295 84.3%  
Net Cashflow Rs m-105,708288,030 -36.7%  

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:   CANARA BANK  ANDHRA BANK  J&K BANK  DCB BANK  VIJAYA BANK  

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



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