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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 -0.5 -1.0 - View Chart
P/BV x 0.1 0.2 44.1% View Chart
Dividend Yield % 0.0 0.0 -  

Financials

 UNITED BANK OF INDIA   UNION BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-18
UNION BANK
Mar-18
UNITED BANK OF INDIA/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs23205 11.1%   
Low Rs1186 12.2%   
Income per share (Unadj.) Rs27.8282.0 9.9%  
Earnings per share (Unadj.) Rs-4.8-44.6 10.9%  
Cash flow per share (Unadj.) Rs-14.1-115.2 12.3%  
Dividends per share (Unadj.) Rs00-  
Avg Dividend yield %00-  
Book value per share (Unadj.) Rs28.9216.1 13.4%  
Shares outstanding (eoy) m2,999.991,168.57 256.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.60.5 116.0%   
Avg P/E ratio x-3.4-3.3 105.3%  
Avg P/CF ratio x2.01.9 104.9%  
Avg Price/Bookvalue ratio x0.60.7 85.6%  
Dividend payout %00-   
Avg Mkt Cap Rs m49,950170,027 29.4%   
No. of employees `000NA37.6 0.0%   
Total wages & salary Rs m17,12633,322 51.4%   
Avg. income/employee Rs ThNM8,766.7-  
Avg. wages/employee Rs ThNM886.5-  
Avg. net profit/employee Rs ThN.A.-1,386.8-  
INCOME DATA
Interest income Rs m83,416329,516 25.3%  
Other income Rs m22,14654,621 40.5%   
Interest expense Rs m68,488234,709 29.2%   
Net interest income Rs m14,92994,807 15.7%  
Operating expense Rs m26,83473,508 36.5%   
Gross profit Rs m-11,90521,298 -55.9%  
Gross profit margin %-14.36.5 -220.8%  
Provisions/contingencies Rs m39,728142,063 28.0%   
Profit before tax Rs m-29,487-66,062 44.6%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-14,942-13,938 107.2%   
Profit after tax Rs m-14,545-52,125 27.9%  
Net profit margin %-17.4-15.8 110.2%  
BALANCE SHEET DATA
Advances Rs m624,9022,905,715 21.5%   
Deposits Rs m1,293,2644,102,884 31.5%  
Credit/Deposit ratio x48.370.8 68.2%  
Yield on advances %8.17.9 102.9%   
Cost of deposits %5.15.3 96.9%   
Net Interest Margin %1.12.0 55.1%  
Net fixed assets Rs m12,93138,461 33.6%   
Share capital Rs m30,00011,686 256.7%   
Free reserves Rs m22,244228,925 9.7%   
Net worth Rs m86,616252,518 34.3%   
Borrowings Rs m33,061456,804 7.2%   
Investments Rs m504,0181,255,107 40.2%   
Total assets Rs m1,447,4874,911,464 29.5%  
Debt/equity ratio x15.318.1 84.8%   
Return on assets %-1.0-1.1 94.7%  
Return on equity %-16.8-20.6 81.3%  
Capital adequacy ratio %12.611.5 109.7%  
Net NPAs %16.58.4 195.8%  
CASH FLOW
From Operations Rs m46,58860,893 76.5%  
From Investments Rs m-2,347-3,068 76.5%  
From Financial Activity Rs m27,942107,919 25.9%  
Net Cashflow Rs m72,183165,744 43.6%  

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  SYNDICATE BANK  CORPORATION BANK  

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



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For the quarter ended June 2018, UNITED BANK OF INDIA has posted a net profit of Rs 4 bn (up 83.8% YoY). Sales on the other hand came in at Rs 22 bn (up 3.9% YoY). Read on for a complete analysis of UNITED BANK OF INDIA's quarterly results.

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