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Compare United Bank of India with Syndicate Bank - Equitymaster

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UNITED BANK OF INDIA vs SYNDICATE BANK - Comparison Results

SYNDICATE BANK 
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Syndicate Bank is a mid-sized public sector bank with its headquarters at Manipal in Karnataka. The bank which been in operation for over 85 years has the eighth largest branch network and the tenth-largest asset book among Indian banks The governmen... More

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Current Valuations

    UNITED BANK OF INDIA SYNDICATE BANK UNITED BANK OF INDIA/
SYNDICATE BANK
 
P/E (TTM) x -0.6 -0.9 - View Chart
P/BV x 0.1 0.2 77.0% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   SYNDICATE BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
SYNDICATE BANK
Mar-18
UNITED BANK OF INDIA/
SYNDICATE BANK
5-Yr Chart
Click to enlarge
High Rs3296 33.1%   
Low Rs1752 32.4%   
Income per share (Unadj.) Rs118.415.4 770.4%  
Earnings per share (Unadj.) Rs-3.4-2.3 147.8%  
Cash flow per share (Unadj.) Rs-15.5-5.0 306.5%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.611.7 594.8%  
Shares outstanding (eoy) m839.5114,172.72 5.9%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.24.8 4.3%   
Avg P/E ratio x-7.2-32.5 22.2%  
Avg P/CF ratio x0.920.8 4.4%  
Avg Price/Bookvalue ratio x0.36.3 5.5%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,3581,045,947 1.9%   
No. of employees `00015.032.6 46.0%   
Total wages & salary Rs m10,97436,052 30.4%   
Avg. income/employee Rs Th6,632.86,684.3 99.2%   
Avg. wages/employee Rs Th732.51,106.6 66.2%   
Avg. net profit/employee Rs Th-188.2-988.7 19.0%   
INCOME DATA
Interest income Rs m99,367217,760 45.6%  
Other income Rs m14,67528,061 52.3%   
Interest expense Rs m76,561152,230 50.3%   
Net interest income Rs m22,80665,529 34.8%  
Operating expense Rs m19,36354,926 35.3%   
Gross profit Rs m3,44310,604 32.5%  
Gross profit margin %3.54.9 71.1%  
Provisions/contingencies Rs m25,22882,530 30.6%   
Profit before tax Rs m-7,110-43,866 16.2%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,290-11,656 36.8%   
Profit after tax Rs m-2,820-32,210 8.8%  
Net profit margin %-2.8-14.8 19.2%  
BALANCE SHEET DATA
Advances Rs m680,6022,106,839 32.3%   
Deposits Rs m1,164,0132,727,611 42.7%  
Credit/Deposit ratio x58.577.2 75.7%  
Yield on advances %9.77.5 130.5%   
Cost of deposits %6.25.0 122.7%   
Net Interest Margin %1.92.1 90.3%  
Net fixed assets Rs m12,10924,781 48.9%   
Share capital Rs m8,39514,173 59.2%   
Free reserves Rs m17,69082,192 21.5%   
Net worth Rs m58,392165,724 35.2%   
Borrowings Rs m29,125296,136 9.8%   
Investments Rs m447,234819,700 54.6%   
Total assets Rs m1,294,3183,255,927 39.8%  
Debt/equity ratio x20.418.2 112.0%   
Return on assets %-0.2-1.0 22.0%  
Return on equity %-4.8-19.4 24.8%  
Capital adequacy ratio %10.512.2 85.5%  
Net NPAs %9.06.3 143.9%  
CASH FLOW
From Operations Rs m24,276-73,144 -33.2%  
From Investments Rs m-896-2,622 34.2%  
From Financial Activity Rs m-42938,607 -1.1%  
Net Cashflow Rs m22,951-37,159 -61.8%  

Share Holding

Indian Promoters % 88.0 67.4 130.6%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 13.2 39.4%  
FIIs % 0.3 6.6 4.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 12.8 50.8%  
Shareholders   78,272 248,557 31.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   ALLAHABAD BANK  VIJAYA BANK  DHANLAXMI BANK  PUNJAB & SIND BANK  INDIAN OVERSEAS BANK  

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



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