Nifty
:
22368.00
Sensex
:
73738.45
31.60 (0.14%)
650.12 (0.89%)
Nifty
Sensex
:
:
22368.00
73738.45
31.60 (0.14%)
650.12 (0.89%)

Union Bank Of India

Bank - Public

Rating :
72/99

BSE: 532477 | NSE: UNIONBANK

NSE BSE
146.90
23-Apr-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  151.65
  •  152.10
  •  146.20
  •  150.60
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  18952074
  •  28067.08
  •  163.20
  •  68.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 112,137.67
  • 8.10
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 104,616.15
  • 2.04%
  • 1.18

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 74.76%
  • 0.37%
  • 5.56%
  • FII
  • DII
  • Others
  • 6.75%
  • 11.84%
  • 0.72%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 13.10
  • -15.93
  • -20.65

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 17.65
  • -
  • 43.92

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.57
  • 0.66

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.88
  • 5.15
  • 6.54

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.54
  • 0.57
  • 0.66

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.86
  • 3.19
  • 2.30

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Mar 23
Mar 22
Var%
Interest Earned
25,520.92
20,966.05
21.72%
24,731.59
19,778.18
25.04%
23,613.18
18,255.95
29.35%
22,163.00
17,027.53
30.16%
Interest Exp.
16,235.51
12,241.68
32.62%
15,498.18
11,383.52
36.15%
14,664.19
10,597.60
38.37%
13,810.05
10,408.53
32.68%
Net Interest Income
9,285.41
8,724.37
6.43%
9,233.41
8,394.66
9.99%
8,948.99
7,658.35
16.85%
8,352.95
6,619.00
26.20%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
4,281.06
3,669.39
16.67%
4,220.91
3,696.95
14.17%
4,209.11
2,948.50
42.75%
5,600.51
2,326.32
140.75%
Total Income
29,801.98
24,635.44
20.97%
28,952.50
23,475.13
23.33%
27,822.29
21,204.45
31.21%
27,763.51
19,353.85
43.45%
Operating Exp.
6,231.58
5,746.33
8.44%
6,189.28
5,497.11
12.59%
5,973.06
5,159.18
15.78%
7,084.68
3,390.53
108.95%
Operating Profit
7,334.89
6,647.43
10.34%
7,265.04
6,594.50
10.17%
7,185.04
5,447.67
31.89%
6,868.78
5,554.79
23.66%
Provision
1,780.56
3,071.04
-42.02%
1,772.77
4,101.27
-56.78%
2,004.62
3,283.11
-38.94%
2,956.50
3,549.64
-16.71%
PBT
5,554.33
3,576.39
55.31%
5,492.27
2,493.23
120.29%
5,180.42
2,164.56
139.33%
3,912.28
2,005.15
95.11%
PBTM
21.76
17.06
27.55%
22.21
12.61
76.13%
21.94
11.86
84.99%
17.65
11.78
49.83%
TAX
1,943.93
1,340.17
45.05%
1,944.02
654.13
197.19%
1,939.98
608.13
219.01%
1,113.69
463.75
140.15%
PAT
3,610.40
2,236.22
61.45%
3,548.25
1,839.10
92.93%
3,240.44
1,556.43
108.20%
2,798.59
1,541.40
81.56%
PATM
14.15%
10.67%
14.35%
9.30%
13.72%
8.53%
12.63%
9.05%
EPS
4.73
2.93
61.43%
4.65
2.41
92.95%
4.24
2.04
107.84%
3.67
2.02
81.68%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Net Interest Income
35,820.76
33,130.34
28,051.19
25,199.06
11,642.41
10,417.58
9,480.67
9,040.67
8,421.63
8,524.73
7,926.81
Interest Earned
96,028.69
81,163.18
68,229.66
69,311.46
37,479.22
34,313.67
32,951.57
32,816.98
32,315.67
32,164.28
29,393.53
Interest Expended
60,207.93
48,032.84
40,178.47
44,112.40
25,836.81
23,896.09
23,470.90
23,776.31
23,894.04
23,639.55
21,466.72
Int. income Growth
14.09%
18.11%
11.32%
116.44%
11.76%
9.88%
4.87%
7.35%
-1.21%
7.54%
 
Other Income
18,311.59
15,915.35
13,524.41
14,306.72
5,789.27
5,041.71
5,462.08
5,429.99
3,934.44
3,957.12
3,140.73
Total Income
114,340.28
49,045.69
41,575.60
39,505.78
17,431.68
15,459.29
14,942.75
14,470.66
12,356.07
12,481.85
11,067.54
Total Expenditure
25,478.60
36,154.58
32,264.45
36,270.45
21,165.70
19,018.62
21,181.09
13,871.08
10,349.12
9,497.53
8,829.32
Employee Cost
-
12,524.00
10,263.67
9,491.02
3,463.85
3,237.23
3,232.17
3,509.40
3,768.05
3,844.63
3,347.65
% Of Sales
-
15.43%
15.04%
13.69%
9.24%
9.43%
9.81%
10.69%
11.66%
11.95%
11.39%
Opt. & Establishment Exp.
-
11,707.88
10,183.75
11,168.65
5,141.23
4,992.76
4,386.88
3,752.71
3,196.85
3,063.76
2,726.32
% Of Sales
-
14.43%
14.93%
16.11%
13.72%
14.55%
13.31%
11.44%
9.89%
9.53%
9.28%
Provisions
-
13,411.84
13,306.65
17,427.08
13,395.02
11,536.27
14,298.50
7,090.61
3,882.18
3,039.38
3,151.11
% Of Sales
-
16.52%
19.50%
25.14%
35.74%
33.62%
43.39%
21.61%
12.01%
9.45%
10.72%
EBITDA
28,653.75
12,891.11
9,311.15
3,235.33
-3,734.02
-3,559.33
-6,238.34
599.58
2,006.95
2,984.32
2,238.22
EBITDA Margin
73.47%
38.91%
33.19%
12.84%
-32.07%
-34.17%
-65.80%
6.63%
23.83%
35.01%
28.24%
Depreciation
0.00
744.57
744.81
908.15
417.20
373.82
368.23
240.82
248.98
225.12
197.88
PBT
20,139.30
12,146.54
8,566.34
2,327.18
-4,151.22
-3,933.16
-6,606.57
358.76
1,757.96
2,759.20
2,040.35
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
6,941.62
3,716.20
3,357.84
-500.84
-1,110.39
-999.75
-1,385.93
-207.99
415.07
1,001.74
370.79
Tax Rate
34.47%
30.59%
39.20%
-21.52%
26.75%
25.42%
20.98%
-57.97%
23.61%
36.31%
18.17%
PAT
13,197.68
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
1,351.92
1,747.10
1,658.94
PAT before Minority Interest
13,197.68
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
1,342.89
1,757.46
1,669.56
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.03
-10.36
-10.62
PAT Margin
24.38%
17.19%
12.53%
7.16%
-17.44%
-18.98%
-34.94%
3.92%
10.94%
14.00%
14.99%
PAT Growth
83.99%
61.86%
84.17%
0
0
0
-1021.15%
-58.08%
-22.62%
5.31%
 
EPS
17.29
11.04
6.82
3.70
-3.98
-3.84
-6.84
0.74
1.77
2.29
2.17

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Shareholder's Funds
78,803.51
70,861.12
64,737.78
33,989.40
26,835.65
25,251.81
24,093.67
23,048.11
19,899.17
18,745.32
Share Capital
6,938.75
6,938.75
6,510.85
3,526.82
1,867.02
1,168.57
687.44
687.44
635.78
741.31
Total Reserves
71,864.76
63,922.37
58,226.93
30,462.58
24,968.63
24,083.24
22,865.23
22,360.67
19,263.39
18,004.01
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8.81
19.17
Deposits
1,120,321.92
1,034,367.75
925,653.93
452,436.15
417,504.81
410,288.43
377,194.70
344,117.51
317,450.34
297,651.06
Borrowings
42,736.59
51,245.20
51,922.23
52,714.06
43,275.60
45,680.39
41,225.50
30,636.61
35,168.00
29,316.23
Other Liabilities & Provisions
46,495.08
37,291.53
40,063.46
16,369.45
10,964.48
9,899.87
13,167.35
9,562.33
11,042.64
9,282.69
Total Liabilities
1,288,357.10
1,193,765.60
1,082,377.40
555,509.06
498,580.54
491,120.50
455,681.22
407,364.56
383,568.96
355,014.47
Net Block
8,825.81
7,171.30
7,303.09
4,721.19
3,730.28
3,811.97
3,883.92
3,939.33
2,690.14
2,622.31
Gross Block
18,681.33
16,518.39
16,001.87
8,441.75
7,063.11
6,803.64
6,561.23
5,628.54
4,793.51
4,498.06
Accumulated Depreciation
9,855.52
9,347.09
8,698.78
3,720.56
3,332.83
2,991.68
2,677.31
1,689.21
2,103.37
1,875.75
Total Non-Current Assets
1,229,450.48
1,142,161.22
1,024,508.34
531,953.21
474,108.84
469,382.72
438,202.42
392,391.44
367,036.71
349,685.05
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
22.16
37.01
63.33
54.31
44.17
34.08
21.49
12.53
4.29
1.08
Cash and balance with RBI
50,258.11
46,115.89
37,885.71
20,118.92
20,800.40
21,017.35
16,522.37
15,606.92
15,063.87
18,419.98
Balance with banks and money at call
62,340.76
73,642.33
46,877.62
35,129.87
22,362.68
28,463.01
16,383.55
14,009.89
7,539.14
4,900.66
Investments
343,726.96
351,839.04
339,058.51
154,251.49
128,391.21
125,484.80
113,441.26
90,573.21
85,818.15
94,636.35
Advances
764,276.68
663,355.65
593,320.08
317,677.43
298,780.10
290,571.51
287,949.83
268,249.56
255,921.12
229,104.67
Other Assets
58,906.63
51,604.39
57,869.05
23,555.84
24,471.69
21,737.78
17,478.79
14,973.13
16,532.24
5,329.40
Total Assets
1,288,357.11
1,193,765.61
1,082,377.39
555,509.05
498,580.53
491,120.50
455,681.21
407,364.57
383,568.95
355,014.45
Contingent Liabilities
608,099.28
651,146.83
371,781.47
189,112.94
199,232.26
266,829.14
231,886.43
397,437.14
349,105.33
195,524.16
Bills for collection
43,566.72
66,089.41
34,694.81
21,682.69
19,441.23
18,427.09
16,119.40
15,030.34
13,700.54
12,475.71
Adjusted Book Value
106.17
96.57
93.24
89.72
138.95
196.05
306.88
297.73
290.58
272.49

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Cash From Operating Activity
6,111.42
36,338.87
20,527.34
-7,681.27
-7,778.40
6,097.42
-6,624.50
8,076.80
-3,567.48
2,570.10
PBT
12,146.47
8,566.34
2,326.77
-4,231.28
-3,922.10
-6,598.40
364.65
1,771.52
2,757.46
2,040.64
Adjustment
15,012.22
16,287.89
19,538.98
14,906.05
12,868.03
15,949.78
8,220.40
4,909.70
3,528.04
3,580.46
Adjustments for Liabilities & Assets
-17,769.75
12,028.52
-2,720.27
-19,674.94
-15,792.45
-697.58
-13,669.00
2,184.84
-9,262.75
-2,296.01
Refund/(Payment) of direct taxes
-3,277.52
-543.88
-228.64
1,318.90
-931.88
-2,556.38
-1,540.55
-789.26
-590.23
-754.99
Other Direct Payments
0.00
0.00
1,610.50
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-2,561.05
-557.71
-601.09
-377.21
-297.11
-314.92
-280.18
-871.79
-317.99
-362.99
Net Fixed Assets
-2134.83
-525.81
-7513.36
-1382.36
-264.68
-250.36
-260.54
-1518.25
-292.64
-343.05
Other Investment Activity
-19167.98
-17076.53
-16326.84
-8733.38
-7368.83
-7069.41
-7410.66
-6596.32
-5123.07
-4810.60
Cash from Financing Activity
-10,654.14
-786.28
-18,860.66
20,144.20
1,758.23
10,791.94
10,193.79
-191.21
3,167.84
4,902.33
Closing Cash & Equivalent
112,654.45
119,758.22
84,763.34
55,248.80
43,163.08
49,480.36
32,905.92
29,616.81
22,603.01
23,320.64
Net Cash Inflow / Outflow
-7,103.77
34,994.88
1,065.59
12,085.72
-6,317.28
16,574.44
3,289.11
7,013.80
-717.63
7,109.44
Opening Cash & Equivalents
119,758.22
84,763.34
55,577.53
43,163.08
49,480.36
32,905.92
29,616.81
22,603.01
23,320.64
16,211.20

Financial Ratios

Consolidated /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Book Value
106.17
96.57
93.24
89.73
138.95
196.05
306.88
297.73
290.58
272.49
NIM
2.71
2.47
2.48
2.21
2.21
2.04
2.08
2.17
2.34
2.28
Yield on Advances
10.62
10.29
11.68
11.80
11.48
11.34
11.40
12.05
12.57
12.83
Yield on Investments
6.55
6.73
7.48
7.88
7.62
8.12
9.64
9.38
9.46
8.28
Cost of Liabilities
4.13
3.70
4.51
5.11
5.19
5.15
5.68
6.38
6.70
6.57
Interest Spread
6.49
6.58
7.17
6.68
6.30
6.19
5.71
5.67
5.86
6.26
ROCE
12.97%
9.44%
5.51%
-3.01%
-3.03%
-6.92%
3.58%
6.57%
9.26%
8.22%
Cost Income Ratio
47.89
47.39
50.00
46.97
50.82
48.52
48.52
54.35
53.54
53.09
Core Cost Income Ratio
49.01
51.60
56.81
51.14
53.01
53.13
56.98
58.50
57.51
55.69
Operating Costs to Assets
1.82
1.65
1.82
1.47
1.58
1.48
1.54
1.65
1.74
1.66
Loans/Deposits
0.04
0.05
0.06
0.12
0.10
0.11
0.11
0.09
0.11
0.10
Cash/Deposits
0.04
0.04
0.04
0.04
0.05
0.05
0.04
0.05
0.05
0.06
Investment/Deposits
0.31
0.34
0.37
0.34
0.31
0.31
0.30
0.26
0.27
0.32
Inc Loan/Deposits
3.81%
4.95%
5.61%
11.65%
10.37%
11.13%
10.93%
8.90%
11.08%
9.85%
Credit Deposits
68.22%
64.13%
64.10%
70.21%
71.56%
70.82%
76.34%
77.95%
80.62%
76.97%
Interest Expended / Interest earned
59.18%
58.89%
63.64%
68.94%
69.64%
71.23%
72.45%
73.94%
73.50%
73.03%
Interest income / Total funds
6.30%
5.72%
6.40%
6.75%
6.88%
6.71%
7.20%
7.93%
8.39%
8.28%
Interest Expended / Total funds
3.73%
3.37%
4.08%
4.65%
4.79%
4.78%
5.22%
5.87%
6.16%
6.05%
CASA
35.18%
36.48%
36.27%
35.47%
35.98%
33.95%
33.91%
32.24%
29.19%
29.50%

Annual Reports:

FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015
FY 2014

News Update:


  • Union Bank of India raises $500 million from foreign markets
    4th Apr 2024, 12:11 PM

    The fund was arranged by Dubai International Financial Centre (DIFC), Dubai Branch

    Read More
  • Union Bank Of India - Quarterly Results
    20th Jan 2024, 14:07 PM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.