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Compare United Bank of India with ING Vysya Bank - Equitymaster
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UNITED BANK OF INDIA vs ING VYSYA BANK - Comparison Results

ING VYSYA BANK 
   Change

ING Vysya Bank is one of the oldest private sector banks in the country, in which the ING Group of the Netherlands holds a 44% stake. The bank has a large regional exposure in the southern region. Thanks to capital infusion by parent ING Bank N.V's, ... More

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Current Valuations

    UNITED BANK OF INDIA ING VYSYA BANK UNITED BANK OF INDIA/
ING VYSYA BANK
 
P/E (TTM) x -0.6 28.5 - View Chart
P/BV x 0.2 2.8 6.2% View Chart
Dividend Yield % 0.0 0.6 -  

Financials

 UNITED BANK OF INDIA   ING VYSYA BANK
EQUITY SHARE DATA
    UNITED BANK OF INDIA
Mar-16
ING VYSYA BANK
Mar-14
UNITED BANK OF INDIA/
ING VYSYA BANK
5-Yr Chart
Click to enlarge
High Rs32667 4.8%   
Low Rs17406 4.1%   
Income per share (Unadj.) Rs118.4275.9 42.9%  
Earnings per share (Unadj.) Rs-3.434.9 -9.6%  
Cash flow per share (Unadj.) Rs-15.5123.0 -12.6%  
Dividends per share (Unadj.) Rs06.00 0.0%  
Avg Dividend yield %01.1 0.0%  
Book value per share (Unadj.) Rs69.6375.2 18.5%  
Shares outstanding (eoy) m839.51188.64 445.0%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.21.9 10.5%   
Avg P/E ratio x-7.215.4 -47.0%  
Avg P/CF ratio x0.912.5 7.3%  
Avg Price/Bookvalue ratio x0.31.4 24.4%  
Dividend payout %017.2 0.0%   
Avg Mkt Cap Rs m20,358101,158 20.1%   
No. of employees `00015.0NA-   
Total wages & salary Rs m10,9749,177 119.6%   
Avg. income/employee Rs Th6,632.8NM-  
Avg. wages/employee Rs Th732.5NM-  
Avg. net profit/employee Rs Th-188.2N.A.-  
INCOME DATA
Interest income Rs m99,36752,053 190.9%  
Other income Rs m14,6758,668 169.3%   
Interest expense Rs m76,56134,517 221.8%   
Net interest income Rs m22,80617,535 130.1%  
Operating expense Rs m19,36314,925 129.7%   
Gross profit Rs m3,4432,610 131.9%  
Gross profit margin %3.55.0 69.1%  
Provisions/contingencies Rs m25,2281,500 1,681.5%   
Profit before tax Rs m-7,1109,778 -72.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-4,2903,198 -134.1%   
Profit after tax Rs m-2,8206,579 -42.9%  
Net profit margin %-2.812.6 -22.5%  
BALANCE SHEET DATA
Advances Rs m680,602358,289 190.0%   
Deposits Rs m1,164,013412,122 282.4%  
Credit/Deposit ratio x58.586.9 67.3%  
Yield on advances %9.710.6 92.1%   
Cost of deposits %6.26.6 93.9%   
Net Interest Margin %1.93.0 62.7%  
Net fixed assets Rs m12,1095,248 230.8%   
Share capital Rs m8,3951,886 445.0%   
Free reserves Rs m17,69056,798 31.1%   
Net worth Rs m58,39270,782 82.5%   
Borrowings Rs m29,12596,685 30.1%   
Investments Rs m447,234167,187 267.5%   
Total assets Rs m1,294,318604,134 214.2%  
Debt/equity ratio x20.47.2 284.3%   
Return on assets %-0.21.1 -20.0%  
Return on equity %-4.89.3 -51.9%  
Capital adequacy ratio %10.516.8 62.4%  
Net NPAs %9.00.3 3,228.6%  
CASH FLOW
From Operations Rs m24,276-19,300 -125.8%  
From Investments Rs m-896-826 108.5%  
From Financial Activity Rs m-42950,052 -0.9%  
Net Cashflow Rs m22,95129,926 76.7%  

Share Holding

Indian Promoters % 88.0 0.0 -  
Foreign collaborators % 0.0 43.1 -  
Indian inst/Mut Fund % 5.2 14.8 35.1%  
FIIs % 0.3 28.7 1.0%  
ADR/GDR % 0.0 0.0 -  
Free float % 6.5 13.4 48.5%  
Shareholders   78,272 30,627 255.6%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare UNITED BANK OF INDIA With:   ORIENTAL BANK  KARUR VYSYA BANK  UNION BANK  IDBI BANK  DCB BANK  

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



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