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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 9.3 15.5 59.8% View Chart
P/BV x 0.9 0.4 254.6% View Chart
Dividend Yield % 2.2 1.5 152.8%  

Financials

 VIJAYA BANK   UNION BANK
EQUITY SHARE DATA
    VIJAYA BANK
Mar-15
UNION BANK
Mar-16
VIJAYA BANK/
UNION BANK
5-Yr Chart
Click to enlarge
High Rs58223 26.2%   
Low Rs39104 37.3%   
Income per share (Unadj.) Rs142.9470.1 30.4%  
Earnings per share (Unadj.) Rs5.119.7 25.9%  
Cash flow per share (Unadj.) Rs16.967.4 25.1%  
Dividends per share (Unadj.) Rs1.501.95 76.9%  
Avg Dividend yield %3.11.2 258.5%  
Book value per share (Unadj.) Rs71.7335.3 21.4%  
Shares outstanding (eoy) m859.12687.44 125.0%   
Bonus/Rights/Conversions -PI-  
Avg Price / Income ratio x0.30.3 97.9%   
Avg P/E ratio x9.58.3 114.9%  
Avg P/CF ratio x3.22.1 149.7%  
Avg Price/Bookvalue ratio x0.70.5 139.2%  
Dividend payout %29.39.9 296.9%   
Avg Mkt Cap Rs m41,753112,259 37.2%   
No. of employees `00013.635.5 38.4%   
Total wages & salary Rs m11,65637,681 30.9%   
Avg. income/employee Rs Th9,013.49,109.9 98.9%   
Avg. wages/employee Rs Th856.01,062.2 80.6%   
Avg. net profit/employee Rs Th322.7382.5 84.4%   
INCOME DATA
Interest income Rs m122,735323,157 38.0%  
Other income Rs m8,790393,443 2.2%   
Interest expense Rs m99,813238,940 41.8%   
Net interest income Rs m22,92384,216 27.2%  
Operating expense Rs m19,12267,159 28.5%   
Gross profit Rs m3,80117,057 22.3%  
Gross profit margin %3.15.3 58.7%  
Provisions/contingencies Rs m8,59138,682 22.2%   
Profit before tax Rs m3,99917,769 22.5%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m090 0.0%   
Prior Period Items Rs m00-   
Tax Rs m-3954,291 -9.2%   
Profit after tax Rs m4,39413,569 32.4%  
Net profit margin %3.64.2 85.3%  
BALANCE SHEET DATA
Advances Rs m866,9592,682,496 32.3%   
Deposits Rs m1,263,4343,441,175 36.7%  
Credit/Deposit ratio x68.678.0 88.0%  
Yield on advances %9.98.8 112.5%   
Cost of deposits %7.76.4 119.7%   
Net Interest Margin %1.72.2 76.3%  
Net fixed assets Rs m5,66739,519 14.3%   
Share capital Rs m8,5916,874 125.0%   
Free reserves Rs m27,944200,761 13.9%   
Net worth Rs m61,598230,481 26.7%   
Borrowings Rs m72,782306,366 23.8%   
Investments Rs m445,221905,732 49.2%   
Total assets Rs m1,426,4314,073,646 35.0%  
Debt/equity ratio x21.716.3 133.4%   
Return on assets %0.30.3 92.5%  
Return on equity %7.15.9 121.2%  
Capital adequacy ratio %11.711.1 105.0%  
Net NPAs %1.95.3 36.6%  
CASH FLOW
From Operations Rs m-32,12082,741 -38.8%  
From Investments Rs m-1,042-8,718 12.0%  
From Financial Activity Rs m12,104-3,886 -311.5%  
Net Cashflow Rs m-21,05870,138 -30.0%  

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:   BANK OF MAHARASHTRA  PNB  INDUSIND BANK  DCB BANK  INDIAN OVERSEAS BANK  

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



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