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Compare United Bank of India with South Ind.Bank - Equitymaster
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UNITED BANK OF INDIA vs SOUTH IND.BANK - Comparison Results

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Current Valuations

    UNITED BANK OF INDIA SOUTH IND.BANK UNITED BANK OF INDIA/
SOUTH IND.BANK
 
P/E (TTM) x -0.7 5.5 - View Chart
P/BV x 0.2 1.2 18.1% View Chart
Dividend Yield % 0.0 1.9 -  

Financials

 UNITED BANK OF INDIA   SOUTH IND.BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
SOUTH IND.BANK
Mar-15
UNITED BANK OF INDIA/
SOUTH IND.BANK
5-Yr Chart
Click to enlarge
High Rs3235 90.3%   
Low Rs1722 77.1%   
Income per share (Unadj.) Rs118.439.2 302.3%  
Earnings per share (Unadj.) Rs-3.42.3 -147.6%  
Cash flow per share (Unadj.) Rs-15.57.7 -201.6%  
Dividends per share (Unadj.) Rs00.60 0.0%  
Avg Dividend yield %02.1 0.0%  
Book value per share (Unadj.) Rs69.626.6 261.5%  
Shares outstanding (eoy) m839.511,350.15 62.2%   
Bonus/Rights/Conversions -ESOS-  
Avg Price / Income ratio x0.20.7 28.2%   
Avg P/E ratio x-7.212.5 -57.7%  
Avg P/CF ratio x0.95.3 17.1%  
Avg Price/Bookvalue ratio x0.31.1 32.6%  
Dividend payout %026.4 0.0%   
Avg Mkt Cap Rs m20,35838,412 53.0%   
No. of employees `00015.07.8 191.5%   
Total wages & salary Rs m10,9746,337 173.2%   
Avg. income/employee Rs Th6,632.86,755.6 98.2%   
Avg. wages/employee Rs Th732.5809.8 90.5%   
Avg. net profit/employee Rs Th-188.2392.6 -47.9%   
INCOME DATA
Interest income Rs m99,36752,862 188.0%  
Other income Rs m14,6754,971 295.2%   
Interest expense Rs m76,56139,200 195.3%   
Net interest income Rs m22,80613,662 166.9%  
Operating expense Rs m19,3639,813 197.3%   
Gross profit Rs m3,4433,849 89.4%  
Gross profit margin %3.57.3 47.6%  
Provisions/contingencies Rs m25,2284,141 609.3%   
Profit before tax Rs m-7,1104,680 -151.9%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2901,608 -266.9%   
Profit after tax Rs m-2,8203,072 -91.8%  
Net profit margin %-2.85.8 -48.8%  
BALANCE SHEET DATA
Advances Rs m680,602373,916 182.0%   
Deposits Rs m1,164,013519,125 224.2%  
Credit/Deposit ratio x58.572.0 81.2%  
Yield on advances %9.711.1 87.7%   
Cost of deposits %6.27.1 87.5%   
Net Interest Margin %1.92.4 79.5%  
Net fixed assets Rs m12,1094,791 252.8%   
Share capital Rs m8,3951,350 621.8%   
Free reserves Rs m17,69023,794 74.3%   
Net worth Rs m58,39235,918 162.6%   
Borrowings Rs m29,12522,325 130.5%   
Investments Rs m447,234167,172 267.5%   
Total assets Rs m1,294,318591,163 218.9%  
Debt/equity ratio x20.415.1 135.5%   
Return on assets %-0.20.5 -41.9%  
Return on equity %-4.88.6 -56.5%  
Capital adequacy ratio %10.512.1 86.7%  
Net NPAs %9.01.0 941.7%  
CASH FLOW
From Operations Rs m24,2766,870 353.4%  
From Investments Rs m-896-1,726 51.9%  
From Financial Activity Rs m-429-1,372 31.2%  
Net Cashflow Rs m22,9513,772 608.5%  

Share Holding

Indian Promoters % 88.0 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 12.0 43.3%  
FIIs % 0.3 41.7 0.7%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 46.3 14.0%  
Shareholders   78,272 247,922 31.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   INDIAN OVERSEAS BANK  CITY UNION BANK  BANK OF BARODA  UNION BANK  J&K BANK  

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



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