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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 -0.2 -1.1 - View Chart
P/BV x 0.1 0.2 58.5% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
UNION BANK
Mar-17
UNITED BANK OF INDIA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs32173 18.4%   
Low Rs17105 16.1%   
Income per share (Unadj.) Rs118.4477.4 24.8%  
Earnings per share (Unadj.) Rs-3.48.3 -40.3%  
Cash flow per share (Unadj.) Rs-15.54.3 -359.7%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs69.6342.9 20.3%  
Shares outstanding (eoy) m839.51687.44 122.1%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.3 70.6%   
Avg P/E ratio x-7.216.6 -43.4%  
Avg P/CF ratio x0.91.2 73.1%  
Avg Price/Bookvalue ratio x0.30.4 86.3%  
Dividend payout %00-   
Avg Mkt Cap Rs m20,35895,279 21.4%   
No. of employees `00015.036.9 40.6%   
Total wages & salary Rs m10,97435,094 31.3%   
Avg. income/employee Rs Th6,632.88,899.0 74.5%   
Avg. wages/employee Rs Th732.5951.7 77.0%   
Avg. net profit/employee Rs Th-188.2155.3 -121.2%   
INCOME DATA
Interest income Rs m99,367328,170 30.3%  
Other income Rs m14,67554,300 27.0%   
Interest expense Rs m76,561237,763 32.2%   
Net interest income Rs m22,80690,407 25.2%  
Operating expense Rs m19,36370,213 27.6%   
Gross profit Rs m3,44320,194 17.0%  
Gross profit margin %3.56.2 56.3%  
Provisions/contingencies Rs m25,22870,906 35.6%   
Profit before tax Rs m-7,1103,647 -195.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,290-2,080 206.3%   
Profit after tax Rs m-2,8205,727 -49.2%  
Net profit margin %-2.81.7 -162.6%  
BALANCE SHEET DATA
Advances Rs m680,6022,879,498 23.6%   
Deposits Rs m1,164,0133,796,873 30.7%  
Credit/Deposit ratio x58.575.8 77.1%  
Yield on advances %9.78.0 121.9%   
Cost of deposits %6.25.8 106.5%   
Net Interest Margin %1.92.1 90.5%  
Net fixed assets Rs m12,10939,054 31.0%   
Share capital Rs m8,3956,874 122.1%   
Free reserves Rs m17,690207,141 8.5%   
Net worth Rs m58,392235,711 24.8%   
Borrowings Rs m29,125412,255 7.1%   
Investments Rs m447,2341,134,413 39.4%   
Total assets Rs m1,294,3184,556,687 28.4%  
Debt/equity ratio x20.417.9 114.4%   
Return on assets %-0.20.1 -173.3%  
Return on equity %-4.82.4 -198.8%  
Capital adequacy ratio %10.512.9 81.0%  
Net NPAs %9.06.6 137.6%  
CASH FLOW
From Operations Rs m24,276-356 -6,813.4%  
From Investments Rs m-896-2,802 32.0%  
From Financial Activity Rs m-42936,049 -1.2%  
Net Cashflow Rs m22,95132,891 69.8%  

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:   SOUTH IND.BANK  J&K BANK  DENA BANK  VIJAYA BANK  INDUSIND BANK  

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



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