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UNION BANK OF INDIA (banking)
UNION BANK OF INDIA Financial Data

Union Bank Fact Sheet (UNBK)

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Here is the latest financial fact sheet of Union Bank. For more details, see the Union Bank quarterly results and Union Bank share price and chart. For a sector overview, read our banking sector report.

UNION BANK Price History

Price	Rs	24.4
Mkt Cap	Rs m	15,481
Vol	'000	145.0
P/E	X	-0.5
P/CF	X	0.3
EPS (TTM)	Rs	-45.6

% ch	%	0.8
No. of shares	m	635.78
% ch week	%	3.8
% ch 1-mth	%	-4.5
% ch 12-mth	%	-53.8
52 week H/L	Rs	65.7/22.6

(As on Oct 23, 2020 (Close))

» Best Performing banking Stocks

1d 1w 1m 3m 6m 1y 3y 5y Max

* Results Consolidated

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UNION BANK Financials

No. of Mths Year Ending	12 Mar-15*	12 Mar-16*	12 Mar-17*	12 Mar-18*	12 Mar-19*	5-Yr Chart Click to enlarge

UNION BANK EQUITY SHARE DATA
High	Rs	260	223	173	205	106
Low	Rs	132	104	105	86	61
Income per share (Unadj.)	Rs	505.9	470.1	477.4	282.0	194.6
Earnings per share (Unadj.)	Rs	27.7	19.7	8.3	-44.6	-16.6
Diluted earnings per share	Rs	27.7	21.3	9.0	-82.0	-46.0
Cash flow per share (Unadj.)	Rs	82.0	67.0	4.2	-116.9	-42.9
Dividends per share (Unadj.)	Rs	6.00	1.95	0	0	0
Adj. dividends per share	Rs	6.00	2.11	0.00	0.00	0.00
Avg Dividend yield	%	3.1	1.2	0	0	0
Book value per share (Unadj.)	Rs	313.0	335.3	342.9	216.1	151.6
Adj. book value per share	Rs	313.0	362.5	370.7	397.2	420.5
Shares outstanding (eoy)	m	635.77	687.44	687.44	1,168.57	1,763.02
Bonus/Rights/Conversions		PI	PI	-	-	-
Avg Price / Income ratio	x	0.4	0.3	0.3	0.5	0.4
Avg P/E ratio	x	7.1	8.3	16.6	-3.3	-5.0
Avg P/CF ratio	x	2.3	2.1	1.2	1.9	1.7
Avg Price/Bookvalue ratio	x	0.6	0.5	0.4	0.7	0.6
Dividend payout	%	21.7	9.9	0	0	0
Avg Mkt Cap	Rs m	124,579	112,259	95,279	170,027	147,388
No. of employees	`000	35.5	35.5	36.9	37.6	37.3
Total wages & salary	Rs m	38,446	37,681	35,094	33,322	32,372
Avg. income/employee	Rs Th	9,056.8	9,109.9	8,899.0	8,766.7	9,208.8
Avg. wages/employee	Rs Th	1,082.6	1,062.2	951.7	886.5	868.8
Avg. net profit/employee	Rs Th	495.8	382.5	155.3	-1,386.8	-784.3

UNION BANK INCOME DATA
Interest income	Rs m	321,643	323,157	328,170	329,516	343,137
Other income	Rs m	39,571	393,443	54,300	54,621	50,417
Interest expense	Rs m	236,396	238,940	237,763	234,709	238,961
Net interest income	Rs m	85,247	84,216	90,407	94,807	104,176
Operating expense	Rs m	66,833	67,159	70,213	72,508	78,562
Gross profit	Rs m	18,415	17,057	20,194	22,298	25,614
Gross profit margin	%	5.7	5.3	6.2	6.8	7.5
Provisions/contingencies	Rs m	36,369	38,822	70,952	143,063	115,157
Profit before tax	Rs m	21,548	17,629	3,600	-66,062	-39,016
Extraordinary Inc (Exp)	Rs m	0	0	0	0	0
Minority Interest	Rs m	104	90	0	0	0
Prior Period Items	Rs m	0	0	0	0	0
Tax	Rs m	4,042	4,151	-2,126	-13,938	-9,792
Profit after tax	Rs m	17,609	13,569	5,727	-52,125	-29,224
Net profit margin	%	5.5	4.2	1.7	-15.8	-8.5

UNION BANK BALANCE SHEET DATA
Advances	Rs m	2,559,211	2,682,496	2,879,498	2,905,715	2,987,801
Deposits	Rs m	3,174,503	3,441,175	3,771,947	4,102,884	4,175,048
Credit/Deposit ratio	x	80.6	78.0	76.3	70.8	71.6
Yield on advances	%	9.4	8.8	8.0	7.9	8.0
Cost of deposits	%	6.8	6.4	5.8	5.3	5.3
Net Interest Margin	%	2.3	2.2	2.1	2.0	2.2
Net fixed assets	Rs m	26,944	39,519	39,054	38,461	37,745
Share capital	Rs m	6,358	6,874	6,874	11,686	17,630
Free reserves	Rs m	181,916	200,761	207,141	228,925	249,686
Net worth	Rs m	198,992	230,481	235,711	252,518	267,317
Borrowings	Rs m	351,680	306,366	412,255	456,804	432,756
Investments	Rs m	954,494	905,732	1,134,413	1,254,848	1,283,912
Total assets	Rs m	3,835,690	4,073,646	4,556,687	4,911,205	4,985,805
Debt/equity ratio	x	17.7	16.3	17.8	18.1	17.2
Return on assets	%	0.5	0.3	0.1	-1.1	-0.6
Return on equity	%	8.8	5.9	2.4	-20.6	-10.9
Capital adequacy ratio	%	10.7	11.1	12.9	11.5	11.8
Net NPAs	%	2.7	5.3	6.6	8.4	6.9

UNION BANK CASH FLOW
From Operations	Rs m	-35,675	80,768	-66,245	60,974	-77,784
From Investments	Rs m	-3,180	-8,718	-2,802	-3,149	-2,971
From Financial Activity	Rs m	31,678	-1,912	101,938	107,919	17,582
Net Cashflow	Rs m	-7,176	70,138	32,891	165,744	-63,173

* Results Consolidated

Source: Company Annual Reports, Regulatory Filings, Equitymaster

» Historical quarterly results for union bank of india

Share Holding

Indian Promoters	60.1%
Foreign collaborators	0.0%
Indian inst/Mut Fund	16.6%
FIIs	8.5%
ADR/GDR	0.0%
Free float	14.8%
Shareholders	235,817
Pledged promoter(s) holding	0.0%

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UNION BANK Announces Quarterly Results (1QFY20); Net Profit Up 73.3% (Quarterly Result Update)

Aug 5, 2019 | Updated on Aug 5, 2019

For the quarter ended June 2019, UNION BANK has posted a net profit of Rs 2 bn (up 73.3% YoY). Sales on the other hand came in at Rs 89 bn (up 2.3% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

UNION BANK Announces Quarterly Results (4QFY19); Net Profit Down 30.4% (Quarterly Result Update)

May 16, 2019 | Updated on May 16, 2019

For the quarter ended March 2019, UNION BANK has posted a net profit of Rs 34 bn (down 30.4% YoY). Sales on the other hand came in at Rs 83 bn (up 2.9% YoY). Read on for a complete analysis of UNION BANK's quarterly results.

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