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#1
September 26th, 2017, 03:40 PM
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 United Bank of India vs. Union Bank of India   |
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#2
September 26th, 2017, 05:26 PM
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| Re: United Bank of India vs. Union Bank of India
Union Bank of India (UBI) is the ninth-biggest bank in India by resources with a piece of the pie of over 3% in advances and stores. It is outstanding amongst other moderate sized open part banks in the nation. UBI's differentiated geographic nearness has helped it gather a reasonable blend of benefits and ease stores. Be that as it may, not ready to stay aware of its private segment peers in incremental credit distributions and low retail credit introduction brought about a minor loss of piece of the overall industry. United Bank of India (UBI) is an Indian government-claimed money related administrations organization headquartered in Kolkata, India. Directly the bank has a three-level authoritative setup comprising of its head office in Kolkata, 35 local workplaces and 2005 branches spread all finished India. Be that as it may, its significant nearness is in Northern India. The bank has three undeniable abroad branches, one each at Kolkata, New Delhi and Mumbai. Joined Bank of India now means to extend its worldwide exercises. On 30 March 2009, the Indian government affirmed the rebuilding of United Bank of India. The administration proposed to put 2.5 billion rupees in shares by 31 March and another 5.50 billion in the following financial year in Tier-I capital instruments. The move is a piece of the Indian government's program to enhance the capital base of the state-claimed banks. Valuations Union Bank United Bank of India Union Bank/United Bank of India P/E (TTM) 15.6 -0.7 - P/BV 0.4 0.2 163.9% Dividend Yield % 1.5 0.0 - Equity Share Data Union Bank United Bank of India Union Bank/United Bank of India High Rs 223 32 701.90% Low Rs 104 17 619.60% Income per share (Unadj.) Rs 470.1 118.4 397.20% Earnings per share (Unadj.) Rs 19.7 -3.4 -587.70% Cash flow per share (Unadj.) Rs 67.4 -15.5 -436.20% Dividends per share (Unadj.) Rs 1.95 0 - Avg Dividend yield % 1.2 0 - Book value per share (Unadj.) Rs 335.3 69.6 482.00% Shares outstanding (eoy) m 687.44 839.51 81.90% Bonus/Rights/Conversions PI - - Avg Price / Income ratio x 0.3 0.2 169.60% Avg P/E ratio x 8.3 -7.2 -114.60% Avg P/CF ratio x 2.1 0.9 236.50% Avg Price/Bookvalue ratio x 0.5 0.3 139.70% Dividend payout % 9.9 0 - Avg Mkt Cap Rs m 112,259 20,358 551.40% No. of employees `000 35.5 15 236.80% Total wages & salary Rs m 37,681 10,974 343.40% Avg. income/employee Rs 9,109.90 6,632.80 137.30% Avg. wages/employee Rs Th 1,062.20 732.5 145.00% Avg. net profit/employee Rs Th 382.5 -188.2 -203.20% Income Data Interest income Rs m 323,157 99,367 325.20% Other income Rs m 393,443 14,675 2681.00% Interest expense Rs m 238,940 76,561 312.10% Net interest income Rs m 84,216 22,806 369.30% Operating expense Rs m 67,159 19,363 346.80% Gross profit Rs m 17,057 3,443 495.50% Gross profit margin % 5.3 3.5 152.30% Provisions/contingencies Rs m 38,682 25,228 153.30% Profit before tax Rs m 17,769 -7,110 -249.90% Extraordinary Inc (Exp) Rs m 0 0 - Minority Interest Rs m 90 0 - Prior Period Items Rs m 0 0 - Tax Rs m 4,291 -4,290 -100.00% Profit after tax Rs m 13,569 -2,820 -481.20% Net profit margin % 4.2 -2.8 -148.00% Balance Sheet Data Advances Rs m 2,682,496 680,602 394.10% Deposits Rs m 3,441,175 1,164,013 295.60% Credit/Deposit ratio x 78 58.5 133.30% Yield on advances % 8.8 9.7 90.70% Cost of deposits % 6.4 6.2 103.90% Net Interest Margin % 2.2 1.9 115.10% Net fixed assets Rs m 39,519 12,109 326.40% Share capital Rs m 6,874 8,395 81.90% Free reserves Rs m 200,761 17,690 1134.90% Net worth Rs m 230,481 58,392 394.70% Borrowings Rs m 306,366 29,125 1051.90% Investments Rs m 905,732 447,234 202.50% Total assets Rs m 4,073,646 1,294,318 314.70% Debt/equity ratio x 16.3 20.4 79.60% Return on assets % 0.3 -0.2 -152.90% Return on equity % 5.9 -4.8 -121.90% Capital adequacy ratio % 11.1 10.5 106.50% Net NPAs % 5.3 9 58.10%
__________________ Answered By StudyChaCha Member |
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