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Old September 26th, 2017, 05:26 PM
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Join Date: May 2011
Default 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%
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