Nifty
Sensex
:
:
10682.20
35637.19
65.50 (0.62%)
180.03 (0.51%)

Bank - Public

Rating :
41/99

BSE: 532477 | NSE: UNIONBANK

82.60
1.00 (1.23%)
16-Nov-2018 | 3:59PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  81.60
  •  84.60
  •  80.20
  •  81.60
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  11375780
  •  9396.39
  •  172.15
  •  61.25

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 9,646.57
  • N/A
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 34,309.62
  • N/A
  • 0.42

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 67.43%
  • 1.30%
  • 6.64%
  • FII
  • DII
  • Others
  • 0.59%
  • 18.51%
  • 5.53%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.33
  • 3.38
  • 3.83

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 72.82
  • 44.19

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 6.28
  • 6.13
  • 6.00

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.71
  • 0.52
  • 0.46

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 6.01
  • 6.12
  • 5.20

Quarterly Results

Standalone Figures in Rs. Crores

Description
Jun 18
Jun 17
Var%
Mar 18
Mar 17
Var%
Dec 17
Dec 16
Var%
Sep 17
Sep 16
Var%
Interest Earned
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest Exp.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Interest Income
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
NIM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Income
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Total Income
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Exp.
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Operating Profit
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBT
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PBTM
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
TAX
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PATM
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
EPS
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross NPA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross NPA%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net NPA%
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
CASA
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Net Interest Income
-
9,480.67
9,040.67
8,421.63
8,524.73
7,926.81
7,593.15
6,922.75
6,226.63
Interest Earned
-
32,951.57
32,816.98
32,315.67
32,164.28
29,393.53
25,168.53
21,152.48
16,460.94
Interest Expended
-
23,470.90
23,776.31
23,894.04
23,639.55
21,466.72
17,575.38
14,229.73
10,234.31
Int. income Growth
-
4.87%
7.35%
-1.21%
7.54%
4.39%
9.68%
11.18%
 
Other Income
-
5,462.08
5,429.99
3,934.44
3,957.12
3,140.73
2,868.04
2,316.31
2,039.72
Total Income
-
14,942.75
14,470.66
12,356.07
12,481.85
11,067.54
10,461.19
9,239.06
8,266.35
Total Expenditure
-
21,181.09
13,871.08
10,349.12
9,497.53
8,829.32
7,268.22
6,394.72
-6,416.25
Employee Cost
-
3,332.17
3,509.40
3,768.05
3,844.63
3,347.65
2,793.94
2,496.51
2,604.23
% Of Sales
-
10.11%
10.69%
11.66%
11.95%
11.39%
11.10%
11.80%
15.82%
Opt. & Establishment Exp.
-
4,386.88
3,752.71
3,196.85
3,063.76
2,726.32
2,267.03
1,670.33
-10,057.61
% Of Sales
-
13.31%
11.44%
9.89%
9.53%
9.28%
9.01%
7.90%
-61.10%
Provisions
-
14,198.50
7,090.61
3,882.18
3,039.38
3,151.11
2,518.27
2,529.04
1,349.59
% Of Sales
-
43.09%
21.61%
12.01%
9.45%
10.72%
10.01%
11.96%
8.20%
EBITDA
-
-6,238.34
599.58
2,006.95
2,984.32
2,238.22
3,192.97
2,844.34
14,682.60
EBITDA Margin
-
-65.80%
6.63%
23.83%
35.01%
28.24%
42.05%
41.09%
235.80%
Depreciation
-
368.23
240.82
248.98
225.12
197.88
155.51
150.58
156.23
PBT
-
-6,606.57
358.76
1,757.96
2,759.20
2,040.35
3,037.46
2,693.76
2,942.48
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
-
-1,385.93
-207.99
415.07
1,001.74
370.79
906.31
938.00
873.45
Tax Rate
-
20.98%
-57.97%
23.61%
36.31%
18.17%
29.84%
34.82%
29.68%
PAT
-
-5,220.64
566.75
1,351.92
1,747.10
1,658.94
2,141.90
1,767.87
2,071.76
PAT before Minority Interest
-
-5,220.64
566.75
1,342.89
1,757.46
1,669.56
2,131.15
1,755.76
2,069.03
Minority Interest
-
0.00
0.00
9.03
-10.36
-10.62
10.75
12.11
2.73
PAT Margin
-
-34.94%
3.92%
10.94%
14.00%
14.99%
20.47%
19.13%
25.06%
PAT Growth
-
-1021.15%
-58.08%
-22.62%
5.31%
-22.55%
21.16%
-14.67%
 
Unadjusted EPS
-
-68.98
8.33
20.50
27.67
27.56
38.44
33.79
39.71

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Shareholder's Funds
25,251.81
24,093.67
23,048.11
19,899.17
18,745.32
17,430.19
14,778.69
12,932.44
Share Capital
1,168.57
687.44
687.44
635.78
741.31
707.79
661.55
635.33
Total Reserves
24,083.24
22,865.23
22,360.67
19,263.39
18,004.01
16,722.39
14,117.15
12,297.11
Minority Interest
0.00
0.00
0.00
8.81
19.17
29.79
40.54
52.66
Deposits
410,288.43
377,194.70
344,117.51
317,450.34
297,651.06
263,681.55
222,776.52
202,400.00
Borrowings
45,680.39
41,225.50
30,636.61
35,168.00
29,316.23
23,796.88
17,909.49
13,315.97
Other Liabilities & Provisions
9,925.77
13,167.35
9,562.33
11,042.64
9,282.69
7,973.51
7,519.45
7,861.88
Total Liabilities
491,146.40
455,681.22
407,364.56
383,568.96
355,014.47
312,911.92
263,024.69
236,562.95
Net Block
3,811.97
3,883.92
3,939.33
2,690.14
2,622.31
2,482.53
2,339.20
2,287.92
Gross Block
6,803.64
6,561.23
5,628.54
4,793.51
4,498.06
4,137.45
3,818.55
3,612.43
Accumulated Depreciation
2,991.68
2,677.31
1,689.21
2,103.37
1,875.75
1,654.92
1,479.35
1,324.51
Total Non-Current Assets
469,408.63
438,202.42
392,391.44
367,036.71
349,685.05
308,617.34
259,037.53
232,340.70
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
34.08
21.49
12.53
4.29
1.08
12.87
8.59
13.58
Cash and balance with RBI
21,017.35
16,522.37
15,606.92
15,063.87
18,419.98
10,763.22
11,633.69
17,644.84
Balance with banks and money at call
28,463.01
16,383.55
14,009.89
7,539.14
4,900.66
5,447.98
4,070.15
2,487.99
Investments
125,510.71
113,441.26
90,573.21
85,818.15
94,636.35
81,808.31
63,103.81
58,913.15
Advances
290,571.51
287,949.83
268,249.56
255,921.12
229,104.67
208,102.43
177,882.09
150,993.22
Other Assets
21,737.78
17,478.79
14,973.13
16,532.24
5,329.40
4,294.57
3,987.16
4,222.25
Total Assets
491,146.41
455,681.21
407,364.57
383,568.95
355,014.45
312,911.91
263,024.69
236,562.95
Contingent Liabilities
241,828.13
231,886.43
397,437.14
349,105.33
195,524.16
324,595.24
236,621.78
159,484.98
Bills for collection
18,427.09
16,119.40
15,030.34
13,700.54
12,475.71
6,252.24
2,217.01
5,258.37
Adjusted Book Value
196.05
306.88
297.73
290.58
272.49
265.14
238.56
214.51

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Cash From Operating Activity
6,089.25
-6,624.50
8,076.80
-3,567.48
2,570.10
-4,245.36
-3,823.67
4,488.84
PBT
-6,598.40
364.65
1,771.52
2,757.46
2,040.64
3,037.73
0.00
0.00
Adjustment
15,949.78
8,220.40
4,909.70
3,528.04
3,580.46
2,745.79
2,080.32
2,614.92
Adjustments for Liabilities & Assets
-705.75
-13,669.00
2,184.84
-9,262.75
-2,296.01
-8,958.37
-5,891.61
1,839.85
Refund/(Payment) of direct taxes
-2,556.38
-1,540.55
-789.26
-590.23
-754.99
-1,070.51
-12.38
34.07
Other Direct Payments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-306.75
-280.18
-871.79
-317.99
-362.99
-343.16
-235.26
-208.11
Net Fixed Assets
-250.36
-260.54
-1518.25
-292.64
-343.05
-313.94
-198.46
Other Investment Activity
-7069.41
-7410.66
-6596.32
-5123.07
-4810.60
-4359.65
-4018.56
Cash from Financing Activity
10,791.94
10,193.79
-191.21
3,167.84
4,902.33
5,095.88
-370.06
75.41
Closing Cash & Equivalent
49,480.36
32,905.92
29,616.81
22,603.01
23,320.64
16,211.20
15,703.84
20,132.83
Net Cash Inflow / Outflow
16,574.44
3,289.11
7,013.80
-717.63
7,109.44
507.36
-4,428.99
4,356.14
Opening Cash & Equivalents
32,905.92
29,616.81
22,603.01
23,320.64
16,211.20
15,703.84
20,132.83
15,776.69

Financial Ratios

Standalone /

Consolidated
Description
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Book Value
196.05
306.88
297.73
290.58
272.49
265.14
238.56
214.51
NIM
2.04
2.08
2.17
2.34
2.28
2.48
2.70
2.71
Yield on Advances
11.34
11.40
12.05
12.57
12.83
12.09
11.89
10.90
Yield on Investments
8.12
9.64
9.38
9.46
8.28
7.61
7.95
7.60
Cost of Liabilities
5.15
5.68
6.38
6.70
6.57
6.11
5.91
4.74
Interest Spread
6.19
5.71
5.67
5.86
6.26
5.98
5.98
6.16
ROCE
-6.92%
3.58%
6.57%
9.26%
8.22%
11.01%
11.96%
13.87%
Cost Income Ratio
49.19
48.52
54.35
53.54
53.09
46.89
43.47
48.08
Core Cost Income Ratio
53.87
56.98
58.50
57.51
55.69
49.29
45.65
50.94
Operating Costs to Assets
1.50
1.54
1.65
1.74
1.66
1.57
1.53
1.68
Loans/Deposits
0.11
0.11
0.09
0.11
0.10
0.09
0.08
0.07
Cash/Deposits
0.05
0.04
0.05
0.05
0.06
0.04
0.05
0.09
Investment/Deposits
0.31
0.30
0.26
0.27
0.32
0.31
0.28
0.29
Inc Loan/Deposits
11.13%
10.93%
8.90%
11.08%
9.85%
9.02%
8.04%
6.58%
Credit Deposits
70.82%
76.34%
77.95%
80.62%
76.97%
78.92%
79.85%
74.60%
Interest Expended / Interest earned
71.23%
72.45%
73.94%
73.50%
73.03%
69.83%
67.27%
62.17%
Interest income / Total funds
6.71%
7.20%
7.93%
8.39%
8.28%
8.04%
8.04%
6.96%
Interest Expended / Total funds
4.78%
5.22%
5.87%
6.16%
6.05%
5.62%
5.41%
4.33%
CASA
33.95%
33.91%
32.24%
29.19%
29.50%
30.95%
31.29%
31.77%

Source: www.accordfintech.com. Price feed provided by www.nseindia.com and www.bseindia.com value addition by www.accordfintech.com. Intraday data delayed 15 minutes.

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