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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 -0.7 -2.8 - View Chart
P/BV x 0.2 0.4 60.2% View Chart
Dividend Yield % 0.0 5.9 -  

Financials

 UNITED BANK OF INDIA   SYNDICATE BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
SYNDICATE BANK
Mar-15
UNITED BANK OF INDIA/
SYNDICATE BANK
5-Yr Chart
Click to enlarge
High Rs32179 17.7%   
Low Rs1793 18.0%   
Income per share (Unadj.) Rs118.4326.5 36.3%  
Earnings per share (Unadj.) Rs-3.423.0 -14.6%  
Cash flow per share (Unadj.) Rs-15.554.5 -28.4%  
Dividends per share (Unadj.) Rs04.70 0.0%  
Avg Dividend yield %03.5 0.0%  
Book value per share (Unadj.) Rs69.6216.1 32.2%  
Shares outstanding (eoy) m839.51662.05 126.8%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.20.4 49.1%   
Avg P/E ratio x-7.25.9 -122.1%  
Avg P/CF ratio x0.92.5 35.6%  
Avg Price/Bookvalue ratio x0.30.6 55.3%  
Dividend payout %020.4 0.0%   
Avg Mkt Cap Rs m20,35890,171 22.6%   
No. of employees `00015.029.1 51.4%   
Total wages & salary Rs m10,97422,294 49.2%   
Avg. income/employee Rs Th6,632.87,419.2 89.4%   
Avg. wages/employee Rs Th732.5765.2 95.7%   
Avg. net profit/employee Rs Th-188.2523.3 -36.0%   
INCOME DATA
Interest income Rs m99,367216,152 46.0%  
Other income Rs m14,67521,099 69.6%   
Interest expense Rs m76,561160,943 47.6%   
Net interest income Rs m22,80655,209 41.3%  
Operating expense Rs m19,36336,211 53.5%   
Gross profit Rs m3,44318,998 18.1%  
Gross profit margin %3.58.8 39.4%  
Provisions/contingencies Rs m25,22820,121 125.4%   
Profit before tax Rs m-7,11019,976 -35.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2904,730 -90.7%   
Profit after tax Rs m-2,82015,245 -18.5%  
Net profit margin %-2.87.1 -40.2%  
BALANCE SHEET DATA
Advances Rs m680,6022,027,198 33.6%   
Deposits Rs m1,164,0132,553,801 45.6%  
Credit/Deposit ratio x58.579.4 73.7%  
Yield on advances %9.78.0 122.5%   
Cost of deposits %6.25.9 105.0%   
Net Interest Margin %1.91.9 101.3%  
Net fixed assets Rs m12,10916,084 75.3%   
Share capital Rs m8,3956,621 126.8%   
Free reserves Rs m17,69065,527 27.0%   
Net worth Rs m58,392143,092 40.8%   
Borrowings Rs m29,125265,030 11.0%   
Investments Rs m447,234705,821 63.4%   
Total assets Rs m1,294,3183,043,776 42.5%  
Debt/equity ratio x20.419.7 103.7%   
Return on assets %-0.20.5 -43.5%  
Return on equity %-4.810.7 -45.3%  
Capital adequacy ratio %10.510.9 95.8%  
Net NPAs %9.01.9 475.8%  
CASH FLOW
From Operations Rs m24,27684,759 28.6%  
From Investments Rs m-896-3,543 25.3%  
From Financial Activity Rs m-4297,026 -6.1%  
Net Cashflow Rs m22,95188,242 26.0%  

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:   ANDHRA BANK  AXIS BANK  BANK OF INDIA  ALLAHABAD BANK  CITY UNION BANK  

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



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