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Compare United Bank of India with Union Bank - Equitymaster
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UNITED BANK OF INDIA vs UNION BANK - Comparison Results

UNION BANK 
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Union Bank of India (UBI) is the ninth-largest bank in India by assets with a market share of more than 3% in loans and deposits. It is one of the best mid-sized public sector banks in the country. UBI's diversified geographic presence has helped it ... More

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Current Valuations

    UNITED BANK OF INDIA UNION BANK UNITED BANK OF INDIA/
UNION BANK
 
P/E (TTM) x -0.7 -7.3 - View Chart
P/BV x 0.2 0.4 57.5% View Chart
Dividend Yield % 0.0 1.4 -  

Financials

 UNITED BANK OF INDIA   UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
UNION BANK
Mar-16
UNITED BANK OF INDIA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs32223 14.2%   
Low Rs17104 16.1%   
Income per share (Unadj.) Rs118.4470.1 25.2%  
Earnings per share (Unadj.) Rs-3.419.7 -17.0%  
Cash flow per share (Unadj.) Rs-15.567.4 -22.9%  
Dividends per share (Unadj.) Rs01.95 0.0%  
Avg Dividend yield %01.2 0.0%  
Book value per share (Unadj.) Rs69.6335.3 20.7%  
Shares outstanding (eoy) m839.51687.44 122.1%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.20.3 59.0%   
Avg P/E ratio x-7.28.3 -87.3%  
Avg P/CF ratio x0.92.1 42.3%  
Avg Price/Bookvalue ratio x0.30.5 71.6%  
Dividend payout %09.9 0.0%   
Avg Mkt Cap Rs m20,358112,259 18.1%   
No. of employees `00015.035.5 42.2%   
Total wages & salary Rs m10,97437,681 29.1%   
Avg. income/employee Rs Th6,632.89,109.9 72.8%   
Avg. wages/employee Rs Th732.51,062.2 69.0%   
Avg. net profit/employee Rs Th-188.2382.5 -49.2%   
INCOME DATA
Interest income Rs m99,367323,157 30.7%  
Other income Rs m14,675393,443 3.7%   
Interest expense Rs m76,561238,940 32.0%   
Net interest income Rs m22,80684,216 27.1%  
Operating expense Rs m19,36367,159 28.8%   
Gross profit Rs m3,44317,057 20.2%  
Gross profit margin %3.55.3 65.6%  
Provisions/contingencies Rs m25,22838,682 65.2%   
Profit before tax Rs m-7,11017,769 -40.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-4,2904,291 -100.0%   
Profit after tax Rs m-2,82013,569 -20.8%  
Net profit margin %-2.84.2 -67.6%  
BALANCE SHEET DATA
Advances Rs m680,6022,682,496 25.4%   
Deposits Rs m1,164,0133,441,175 33.8%  
Credit/Deposit ratio x58.578.0 75.0%  
Yield on advances %9.78.8 110.3%   
Cost of deposits %6.26.4 96.2%   
Net Interest Margin %1.92.2 86.9%  
Net fixed assets Rs m12,10939,519 30.6%   
Share capital Rs m8,3956,874 122.1%   
Free reserves Rs m17,690200,761 8.8%   
Net worth Rs m58,392230,481 25.3%   
Borrowings Rs m29,125306,366 9.5%   
Investments Rs m447,234905,732 49.4%   
Total assets Rs m1,294,3184,073,646 31.8%  
Debt/equity ratio x20.416.3 125.7%   
Return on assets %-0.20.3 -65.4%  
Return on equity %-4.85.9 -82.0%  
Capital adequacy ratio %10.511.1 93.9%  
Net NPAs %9.05.3 172.2%  
CASH FLOW
From Operations Rs m24,27682,741 29.3%  
From Investments Rs m-896-8,718 10.3%  
From Financial Activity Rs m-429-3,886 11.0%  
Net Cashflow Rs m22,95170,138 32.7%  

Share Holding

Indian Promoters % 88.0 60.1 146.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 16.6 31.3%  
FIIs % 0.3 8.5 3.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 14.8 43.9%  
Shareholders   78,272 235,817 33.2%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   INDUSIND BANK  ICICI BANK  SBI  SOUTH IND.BANK  CORPORATION BANK  

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



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