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Sensex
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Union Bank Of India

Bank - Public

Rating :
60/99

BSE: 532477 | NSE: UNIONBANK

NSE BSE
73.90
-1.05 (-1.40%)
19-Jul-2019 | 3:59PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  75.30
  •  75.90
  •  73.20
  •  74.95
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  6134692
  •  4533.54
  •  100.40
  •  61.25

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 13,011.06
  • N/A
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 35,486.26
  • N/A
  • 0.55

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 74.27%
  • 0.81%
  • 8.66%
  • FII
  • DII
  • Others
  • 0.38%
  • 12.72%
  • 3.16%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 9.31
  • 3.88
  • 4.69

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 62.58
  • 12.69

PAT CAGR (%)

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

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.91
  • 5.88
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.62
  • 0.52
  • 0.49

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.90
  • 5.90
  • 4.69

Quarterly Results

Standalone Figures in Rs. Crores

Description
Mar 19
Mar 18
Var%
Dec 18
Dec 17
Var%
Sep 18
Sep 17
Var%
Jun 18
Jun 17
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

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Net Interest Income
-
10,417.58
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
-
34,313.67
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
-
23,896.09
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
-
9.88%
4.87%
7.35%
-1.21%
7.54%
4.39%
9.68%
11.18%
 
Other Income
-
5,041.71
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
-
15,459.29
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
-
19,018.62
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
-
3,237.23
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
-
9.43%
10.11%
10.69%
11.66%
11.95%
11.39%
11.10%
11.80%
15.82%
Opt. & Establishment Exp.
-
4,992.76
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
-
14.55%
13.31%
11.44%
9.89%
9.53%
9.28%
9.01%
7.90%
-61.10%
Provisions
-
11,536.27
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
-
33.62%
43.09%
21.61%
12.01%
9.45%
10.72%
10.01%
11.96%
8.20%
EBITDA
-
-3,559.33
-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
-
-34.17%
-65.80%
6.63%
23.83%
35.01%
28.24%
42.05%
41.09%
235.80%
Depreciation
-
373.82
368.23
240.82
248.98
225.12
197.88
155.51
150.58
156.23
PBT
-
-3,933.16
-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
0.00
Provision for Tax
-
-999.75
-1,385.93
-207.99
415.07
1,001.74
370.79
906.31
938.00
873.45
Tax Rate
-
25.42%
20.98%
-57.97%
23.61%
36.31%
18.17%
29.84%
34.82%
29.68%
PAT
-
-2,933.41
-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
-
-2,933.41
-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
0.00
9.03
-10.36
-10.62
10.75
12.11
2.73
PAT Margin
-
-18.98%
-34.94%
3.92%
10.94%
14.00%
14.99%
20.47%
19.13%
25.06%
PAT Growth
-
0
-1021.15%
-58.08%
-22.62%
5.31%
-22.55%
21.16%
-14.67%
 
Unadjusted EPS
-
-24.87
-68.98
8.33
20.50
27.67
27.56
38.44
33.79
39.71

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Shareholder's Funds
26,835.65
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
1,867.02
1,168.57
687.44
687.44
635.78
741.31
707.79
661.55
635.33
Total Reserves
24,968.63
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
0.00
8.81
19.17
29.79
40.54
52.66
Deposits
417,504.81
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
43,275.60
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
10,964.48
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
498,580.54
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
3,730.28
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
7,063.11
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
3,332.83
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
474,108.84
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
0.00
Capital Work in Progress
44.17
34.08
21.49
12.53
4.29
1.08
12.87
8.59
13.58
Cash and balance with RBI
20,800.40
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
22,362.68
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
128,391.21
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
298,780.10
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
24,471.69
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
498,580.53
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
199,232.26
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
19,441.23
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
138.95
196.05
306.88
297.73
290.58
272.49
265.14
238.56
214.51

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Cash From Operating Activity
-7,778.40
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
-3,922.10
-6,598.40
364.65
1,771.52
2,757.46
2,040.64
3,037.73
0.00
0.00
Adjustment
12,868.03
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
-15,792.45
-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
-931.88
-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
0.00
Cash From Investing Activity
-297.11
-306.75
-280.18
-871.79
-317.99
-362.99
-343.16
-235.26
-208.11
Net Fixed Assets
-264.68
-250.36
-260.54
-1518.25
-292.64
-343.05
-313.94
-198.46
Other Investment Activity
-7360.66
-7069.41
-7410.66
-6596.32
-5123.07
-4810.60
-4359.65
-4018.56
Cash from Financing Activity
1,758.23
10,791.94
10,193.79
-191.21
3,167.84
4,902.33
5,095.88
-370.06
75.41
Closing Cash & Equivalent
43,163.08
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
-6,317.28
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
49,480.36
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

Consolidated /

Standalone
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Book Value
138.95
196.05
306.88
297.73
290.58
272.49
265.14
238.56
214.51
NIM
2.21
2.04
2.08
2.17
2.34
2.28
2.48
2.70
2.71
Yield on Advances
11.48
11.34
11.40
12.05
12.57
12.83
12.09
11.89
10.90
Yield on Investments
7.62
8.12
9.64
9.38
9.46
8.28
7.61
7.95
7.60
Cost of Liabilities
5.19
5.15
5.68
6.38
6.70
6.57
6.11
5.91
4.74
Interest Spread
6.30
6.19
5.71
5.67
5.86
6.26
5.98
5.98
6.16
ROCE
-3.03%
-6.92%
3.58%
6.57%
9.26%
8.22%
11.01%
11.96%
13.87%
Cost Income Ratio
50.82
49.19
48.52
54.35
53.54
53.09
46.89
43.47
48.08
Core Cost Income Ratio
53.01
53.87
56.98
58.50
57.51
55.69
49.29
45.65
50.94
Operating Costs to Assets
1.58
1.50
1.54
1.65
1.74
1.66
1.57
1.53
1.68
Loans/Deposits
0.10
0.11
0.11
0.09
0.11
0.10
0.09
0.08
0.07
Cash/Deposits
0.05
0.05
0.04
0.05
0.05
0.06
0.04
0.05
0.09
Investment/Deposits
0.31
0.31
0.30
0.26
0.27
0.32
0.31
0.28
0.29
Inc Loan/Deposits
10.37%
11.13%
10.93%
8.90%
11.08%
9.85%
9.02%
8.04%
6.58%
Credit Deposits
71.56%
70.82%
76.34%
77.95%
80.62%
76.97%
78.92%
79.85%
74.60%
Interest Expended / Interest earned
69.64%
71.23%
72.45%
73.94%
73.50%
73.03%
69.83%
67.27%
62.17%
Interest income / Total funds
6.88%
6.71%
7.20%
7.93%
8.39%
8.28%
8.04%
8.04%
6.96%
Interest Expended / Total funds
4.79%
4.78%
5.22%
5.87%
6.16%
6.05%
5.62%
5.41%
4.33%
CASA
35.98%
33.95%
33.91%
32.24%
29.19%
29.50%
30.95%
31.29%
31.77%

Annual Reports:

FY 2018
FY 2017
FY 2016
FY 2015
FY 2014
FY 2013
FY 2012

News Update:


  • RBI slaps Rs 10 lakh penalty on Union Bank of India
    16th Jul 2019, 09:47 AM

    The action is based on deficiencies in regulatory compliance and is not intended to pronounce upon the validity of any transaction entered into by the bank with its customers

    Read More
  • Union Bank of India to sell stake of NPCI for Rs 74 crore
    14th Jun 2019, 09:27 AM

    The bank has executed an agreement for sale of 10 lakh equity shares of Rs 100 per share

    Read More
  • Union Bank of India gets nod to raise Rs 6000 crore in FY20
    16th May 2019, 09:01 AM

    The board of the bank, in a meeting held on May 15, approved the same

    Read More
  • Union Bank of India's net loss widens to Rs 3,369 crore in Q4
    15th May 2019, 10:51 AM

    Total income of the Bank increased marginally by 0.25% for the quarter under review

    Read More
  • Union Bank Of India - Quarterly Results
    14th May 2019, 17:08 PM

    Read More

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.