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Compare United Bank of India with Vijaya Bank - Equitymaster
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UNITED BANK OF INDIA vs VIJAYA BANK - Comparison Results

VIJAYA BANK 
   Change

Vijaya Bank became nationalised bank in 1980 having a branch network of 910 spread across 28 states and four union territories. During FY05 the bank achieved the distinction of 100% branch computerisation. The major focus of the bank during the year ... More

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Current Valuations

    UNITED BANK OF INDIA VIJAYA BANK UNITED BANK OF INDIA/
VIJAYA BANK
 
P/E (TTM) x -0.5 5.6 - View Chart
P/BV x 0.2 0.8 20.9% View Chart
Dividend Yield % 0.0 2.6 -  

Financials

 UNITED BANK OF INDIA   VIJAYA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
VIJAYA BANK
Mar-15
UNITED BANK OF INDIA/
VIJAYA BANK
5-Yr Chart
Click to enlarge
High Rs3258 54.3%   
Low Rs1739 43.3%   
Income per share (Unadj.) Rs118.4142.9 82.9%  
Earnings per share (Unadj.) Rs-3.45.1 -65.7%  
Cash flow per share (Unadj.) Rs-15.516.9 -91.4%  
Dividends per share (Unadj.) Rs01.50 0.0%  
Avg Dividend yield %03.1 0.0%  
Book value per share (Unadj.) Rs69.671.7 97.0%  
Shares outstanding (eoy) m839.51859.12 97.7%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.20.3 60.2%   
Avg P/E ratio x-7.29.5 -76.0%  
Avg P/CF ratio x0.93.2 28.3%  
Avg Price/Bookvalue ratio x0.30.7 51.4%  
Dividend payout %029.3 0.0%   
Avg Mkt Cap Rs m20,35841,753 48.8%   
No. of employees `00015.013.6 110.0%   
Total wages & salary Rs m10,97411,656 94.2%   
Avg. income/employee Rs Th6,632.89,013.4 73.6%   
Avg. wages/employee Rs Th732.5856.0 85.6%   
Avg. net profit/employee Rs Th-188.2322.7 -58.3%   
INCOME DATA
Interest income Rs m99,367122,735 81.0%  
Other income Rs m14,6758,790 167.0%   
Interest expense Rs m76,56199,813 76.7%   
Net interest income Rs m22,80622,923 99.5%  
Operating expense Rs m19,36319,122 101.3%   
Gross profit Rs m3,4433,801 90.6%  
Gross profit margin %3.53.1 111.9%  
Provisions/contingencies Rs m25,2288,591 293.6%   
Profit before tax Rs m-7,1103,999 -177.8%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,290-395 1,085.8%   
Profit after tax Rs m-2,8204,394 -64.2%  
Net profit margin %-2.83.6 -79.3%  
BALANCE SHEET DATA
Advances Rs m680,602866,959 78.5%   
Deposits Rs m1,164,0131,263,434 92.1%  
Credit/Deposit ratio x58.568.6 85.2%  
Yield on advances %9.79.9 98.1%   
Cost of deposits %6.27.7 80.4%   
Net Interest Margin %1.91.7 113.8%  
Net fixed assets Rs m12,1095,667 213.7%   
Share capital Rs m8,3958,591 97.7%   
Free reserves Rs m17,69027,944 63.3%   
Net worth Rs m58,39261,598 94.8%   
Borrowings Rs m29,12572,782 40.0%   
Investments Rs m447,234445,221 100.5%   
Total assets Rs m1,294,3181,426,431 90.7%  
Debt/equity ratio x20.421.7 94.2%   
Return on assets %-0.20.3 -70.7%  
Return on equity %-4.87.1 -67.7%  
Capital adequacy ratio %10.511.7 89.4%  
Net NPAs %9.01.9 470.8%  
CASH FLOW
From Operations Rs m24,276-32,120 -75.6%  
From Investments Rs m-896-1,042 86.0%  
From Financial Activity Rs m-42912,104 -3.5%  
Net Cashflow Rs m22,951-21,058 -109.0%  

Share Holding

Indian Promoters % 88.0 74.1 118.8%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 5.2 7.9 65.8%  
FIIs % 0.3 2.0 15.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 16.0 40.6%  
Shareholders   78,272 303,047 25.8%  
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  ANDHRA BANK  INDUSIND BANK  

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



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