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Compare Vijaya Bank with Union Bank - Equitymaster

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VIJAYA BANK vs UNION 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

UNION BANK 
   Change

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

    VIJAYA BANK UNION BANK VIJAYA BANK/
UNION BANK
 
P/E (TTM) x 6.5 -1.1 - View Chart
P/BV x 0.8 0.2 352.1% View Chart
Dividend Yield % 2.7 0.0 -  

Financials

 VIJAYA BANK   UNION BANK
EQUITY SHARE DATA
    VIJAYA BANK
Mar-15
UNION BANK
Mar-18
VIJAYA BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs58205 28.5%   
Low Rs3986 45.1%   
Income per share (Unadj.) Rs142.9282.0 50.7%  
Earnings per share (Unadj.) Rs5.1-44.6 -11.5%  
Cash flow per share (Unadj.) Rs16.9-115.2 -14.7%  
Dividends per share (Unadj.) Rs1.500-  
Avg Dividend yield %3.10-  
Book value per share (Unadj.) Rs71.7216.1 33.2%  
Shares outstanding (eoy) m859.121,168.57 73.5%   
Bonus/Rights/Conversions ---  
Avg Price / Income ratio x0.30.5 65.9%   
Avg P/E ratio x9.5-3.3 -291.3%  
Avg P/CF ratio x3.21.9 170.1%  
Avg Price/Bookvalue ratio x0.70.7 100.7%  
Dividend payout %29.30-   
Avg Mkt Cap Rs m41,753170,027 24.6%   
No. of employees `00013.637.6 36.2%   
Total wages & salary Rs m11,65633,322 35.0%   
Avg. income/employee Rs Th9,013.48,766.7 102.8%   
Avg. wages/employee Rs Th856.0886.5 96.6%   
Avg. net profit/employee Rs Th322.7-1,386.8 -23.3%   
INCOME DATA
Interest income Rs m122,735329,516 37.2%  
Other income Rs m8,79054,621 16.1%   
Interest expense Rs m99,813234,709 42.5%   
Net interest income Rs m22,92394,807 24.2%  
Operating expense Rs m19,12273,508 26.0%   
Gross profit Rs m3,80121,298 17.8%  
Gross profit margin %3.16.5 47.9%  
Provisions/contingencies Rs m8,591142,063 6.0%   
Profit before tax Rs m3,999-66,062 -6.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m-395-13,938 2.8%   
Profit after tax Rs m4,394-52,125 -8.4%  
Net profit margin %3.6-15.8 -22.6%  
BALANCE SHEET DATA
Advances Rs m866,9592,905,715 29.8%   
Deposits Rs m1,263,4344,102,884 30.8%  
Credit/Deposit ratio x68.670.8 96.9%  
Yield on advances %9.97.9 126.2%   
Cost of deposits %7.75.3 146.0%   
Net Interest Margin %1.72.0 81.2%  
Net fixed assets Rs m5,66738,461 14.7%   
Share capital Rs m8,59111,686 73.5%   
Free reserves Rs m27,944228,925 12.2%   
Net worth Rs m61,598252,518 24.4%   
Borrowings Rs m72,782456,804 15.9%   
Investments Rs m445,2211,255,107 35.5%   
Total assets Rs m1,426,4314,911,464 29.0%  
Debt/equity ratio x21.718.1 120.1%   
Return on assets %0.3-1.1 -29.0%  
Return on equity %7.1-20.6 -34.6%  
Capital adequacy ratio %11.711.5 101.7%  
Net NPAs %1.98.4 22.8%  
CASH FLOW
From Operations Rs m-32,12060,893 -52.7%  
From Investments Rs m-1,042-3,068 34.0%  
From Financial Activity Rs m12,104107,919 11.2%  
Net Cashflow Rs m-21,058165,744 -12.7%  

Share Holding

Indian Promoters % 74.1 60.1 123.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 7.9 16.6 47.6%  
FIIs % 2.0 8.5 23.5%  
ADR/GDR % 0.0 0.0 -  
Free float % 16.0 14.8 108.1%  
Shareholders   303,047 235,817 128.5%  
Pledged promoter(s) holding % 0.0 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare VIJAYA BANK With:   ING VYSYA BANK  IDBI BANK  UNITED BANK OF INDIA  ICICI BANK  SBI  

Compare VIJAYA BANK With:   DEUTSCHE BANK (Germany)  WELLS FARGO (US)  



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