Nifty
Sensex
:
:
24502.15
80519.34
186.20 (0.77%)
622.00 (0.78%)

Bank - Public

Rating :
67/99

BSE: 532477 | NSE: UNIONBANK

135.73
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  135.50
  •  137.20
  •  135.20
  •  135.93
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  9751722
  •  13258.04
  •  172.50
  •  79.85

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 103,893.37
  • 7.53
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 77,966.10
  • 2.65%
  • 1.13

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
  • -
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 22.88
  • -
  • 38.07

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.60
  • 0.71

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.99
  • 5.57
  • 6.66

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.56
  • 0.60
  • 0.71

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.76
  • 3.13
  • 2.32

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Interest Earned
26,509.87
22,163.00
19.61%
25,520.92
20,966.05
21.72%
24,731.59
19,778.18
25.04%
23,613.18
18,255.95
29.35%
Interest Exp.
16,965.82
13,810.05
22.85%
16,235.51
12,241.68
32.62%
15,498.18
11,383.52
36.15%
14,664.19
10,597.60
38.37%
Net Interest Income
9,544.05
8,352.95
14.26%
9,285.41
8,724.37
6.43%
9,233.41
8,394.66
9.99%
8,948.99
7,658.35
16.85%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
5,101.71
5,600.51
-8.91%
4,281.06
3,669.39
16.67%
4,220.91
3,696.95
14.17%
4,209.11
2,948.50
42.75%
Total Income
31,611.58
27,763.51
13.86%
29,801.98
24,635.44
20.97%
28,952.50
23,475.13
23.33%
27,822.29
21,204.45
31.21%
Operating Exp.
8,111.91
7,084.68
14.50%
6,231.58
5,746.33
8.44%
6,189.28
5,497.11
12.59%
5,973.06
5,159.18
15.78%
Operating Profit
6,533.85
6,868.78
-4.88%
7,334.89
6,647.43
10.34%
7,265.04
6,594.50
10.17%
7,185.04
5,447.67
31.89%
Provision
1,252.65
2,956.50
-57.63%
1,780.56
3,071.04
-42.02%
1,772.77
4,101.27
-56.78%
2,004.62
3,283.11
-38.94%
PBT
5,281.20
3,912.28
34.99%
5,554.33
3,576.39
55.31%
5,492.27
2,493.23
120.29%
5,180.42
2,164.56
139.33%
PBTM
19.92
17.65
12.86%
21.76
17.06
27.55%
22.21
12.61
76.13%
21.94
11.86
84.99%
TAX
1,971.35
1,113.69
77.01%
1,943.93
1,340.17
45.05%
1,944.02
654.13
197.19%
1,939.98
608.13
219.01%
PAT
3,309.85
2,798.59
18.27%
3,610.40
2,236.22
61.45%
3,548.25
1,839.10
92.93%
3,240.44
1,556.43
108.20%
PATM
12.49%
12.63%
14.15%
10.67%
14.35%
9.30%
13.72%
8.53%
EPS
4.34
3.67
18.26%
4.73
2.93
61.43%
4.65
2.41
92.95%
4.24
2.04
107.84%
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 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Interest Income
-
37,011.87
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
Interest Earned
-
100,375.57
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
Interest Expended
-
63,363.70
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
Int. income Growth
-
11.72%
18.11%
11.32%
116.44%
11.76%
9.88%
4.87%
7.35%
-1.21%
 
Other Income
-
17,812.79
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
Total Income
-
54,824.66
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
Total Expenditure
-
32,420.50
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
Employee Cost
-
14,593.23
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
% Of Sales
-
14.54%
15.43%
15.04%
13.69%
9.24%
9.43%
9.81%
10.69%
11.66%
11.95%
Opt. & Establishment Exp.
-
12,808.53
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
% Of Sales
-
12.76%
14.43%
14.93%
16.11%
13.72%
14.55%
13.31%
11.44%
9.89%
9.53%
Provisions
-
6,810.60
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
% Of Sales
-
6.79%
16.52%
19.50%
25.14%
35.74%
33.62%
43.39%
21.61%
12.01%
9.45%
EBITDA
-
22,404.16
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
EBITDA Margin
-
60.53%
38.91%
33.19%
12.84%
-32.07%
-34.17%
-65.80%
6.63%
23.83%
35.01%
Depreciation
-
895.93
744.57
744.81
908.15
417.20
373.82
368.23
240.82
248.98
225.12
PBT
-
21,508.23
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
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
-
7,799.28
3,716.20
3,357.84
-500.84
-1,110.39
-999.75
-1,385.93
-207.99
415.07
1,001.74
Tax Rate
-
36.26%
30.59%
39.20%
-21.52%
26.75%
25.42%
20.98%
-57.97%
23.61%
36.31%
PAT
-
13,708.95
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
PAT before Minority Interest
-
13,708.95
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
Minority Interest
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.03
-10.36
PAT Margin
-
25.01%
17.19%
12.53%
7.16%
-17.44%
-18.98%
-34.94%
3.92%
10.94%
14.00%
PAT Growth
-
62.61%
61.86%
84.17%
0
0
0
-1021.15%
-58.08%
-22.62%
 
EPS
-
17.96
11.04
6.82
3.70
-3.98
-3.84
-6.84
0.74
1.77
2.29

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
97,597.66
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
Share Capital
7,737.61
6,938.75
6,938.75
6,510.85
3,526.82
1,867.02
1,168.57
687.44
687.44
635.78
Total Reserves
89,860.05
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
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8.81
Deposits
1,224,593.36
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
Borrowings
26,974.27
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
Other Liabilities & Provisions
52,830.63
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
Total Liabilities
1,401,995.92
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
Net Block
9,223.91
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
Gross Block
19,621.63
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
Accumulated Depreciation
10,397.72
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
Total Non-Current Assets
1,346,938.24
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
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
35.89
22.16
37.01
63.33
54.31
44.17
34.08
21.49
12.53
4.29
Cash and balance with RBI
52,901.54
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
Balance with banks and money at call
66,744.30
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
Investments
343,952.86
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
Advances
874,079.74
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
Other Assets
55,057.66
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
Total Assets
1,401,995.90
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
Contingent Liabilities
583,383.05
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
Bills for collection
50,252.86
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
Adjusted Book Value
120.32
106.17
96.57
93.24
89.72
138.95
196.05
306.88
297.73
290.58

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
19,929.69
6,055.84
36,338.87
20,527.34
-7,681.27
-7,778.40
6,097.42
-6,624.50
8,076.80
-3,567.48
PBT
21,508.22
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
Adjustment
7,700.93
15,015.20
16,287.89
19,538.98
14,906.05
12,868.03
15,949.78
8,220.40
4,909.70
3,528.04
Adjustments for Liabilities & Assets
-6,259.46
-17,828.31
12,028.52
-2,720.27
-19,674.94
-15,792.45
-697.58
-13,669.00
2,184.84
-9,262.75
Refund/(Payment) of direct taxes
-3,020.00
-3,277.52
-543.88
-228.64
1,318.90
-931.88
-2,556.38
-1,540.55
-789.26
-590.23
Other Direct Payments
0.00
0.00
0.00
1,610.50
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-1,393.77
-2,561.05
-557.71
-601.09
-377.21
-297.11
-314.92
-280.18
-871.79
-317.99
Net Fixed Assets
-966.57
-2134.83
-525.81
-7513.36
-1382.36
-264.68
-250.36
-260.54
-1518.25
-292.64
Other Investment Activity
-22137.89
-19167.98
-17076.53
-16326.84
-8733.38
-7368.83
-7069.41
-7410.66
-6596.32
-5123.07
Cash from Financing Activity
-11,488.94
-10,654.15
-786.28
-18,860.66
20,144.20
1,758.23
10,791.94
10,193.79
-191.21
3,167.84
Closing Cash & Equivalent
119,645.84
112,598.86
119,758.22
84,763.34
55,248.80
43,163.08
49,480.36
32,905.92
29,616.81
22,603.01
Net Cash Inflow / Outflow
7,046.98
-7,159.36
34,994.88
1,065.59
12,085.72
-6,317.28
16,574.44
3,289.11
7,013.80
-717.63
Opening Cash & Equivalents
112,598.86
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

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value
120.32
106.17
96.57
93.24
89.73
138.95
196.05
306.88
297.73
290.58
NIM
2.77
2.71
2.47
2.48
2.21
2.21
2.04
2.08
2.17
2.34
Yield on Advances
11.48
10.62
10.29
11.68
11.80
11.48
11.34
11.40
12.05
12.57
Yield on Investments
7.16
6.55
6.73
7.48
7.88
7.62
8.12
9.64
9.38
9.46
Cost of Liabilities
5.06
4.13
3.70
4.51
5.11
5.19
5.15
5.68
6.38
6.70
Interest Spread
6.42
6.49
6.58
7.17
6.68
6.30
6.19
5.71
5.67
5.86
ROCE
21.33%
12.97%
9.44%
5.51%
-3.01%
-3.03%
-6.92%
3.58%
6.57%
9.26%
Cost Income Ratio
48.35
47.89
47.39
50.00
46.97
50.82
48.52
48.52
54.35
53.54
Core Cost Income Ratio
50.29
49.01
51.60
56.81
51.14
53.01
53.13
56.98
58.50
57.51
Operating Costs to Assets
1.89
1.82
1.65
1.82
1.47
1.58
1.48
1.54
1.65
1.74
Loans/Deposits
0.02
0.04
0.05
0.06
0.12
0.10
0.11
0.11
0.09
0.11
Cash/Deposits
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.04
0.05
0.05
Investment/Deposits
0.28
0.31
0.34
0.37
0.34
0.31
0.31
0.30
0.26
0.27
Inc Loan/Deposits
2.20%
3.81%
4.95%
5.61%
11.65%
10.37%
11.13%
10.93%
8.90%
11.08%
Credit Deposits
71.38%
68.22%
64.13%
64.10%
70.21%
71.56%
70.82%
76.34%
77.95%
80.62%
Interest Expended / Interest earned
63.13%
59.18%
58.89%
63.64%
68.94%
69.64%
71.23%
72.45%
73.94%
73.50%
Interest income / Total funds
7.16%
6.30%
5.72%
6.40%
6.75%
6.88%
6.71%
7.20%
7.93%
8.39%
Interest Expended / Total funds
4.52%
3.73%
3.37%
4.08%
4.65%
4.79%
4.78%
5.22%
5.87%
6.16%
CASA
33.49%
35.18%
36.48%
36.27%
35.47%
35.98%
33.95%
33.91%
32.24%
29.19%

News Update:


  • Union Bank of India’s global deposits rise 9% in Q1FY25
    6th Jul 2024, 15:52 PM

    Its global gross advances stood at Rs 9,12,219 crore (Provisional) as of June 30, 2024

    Read More
  • Union Bank of India gets nod to raise funds up to Rs 10,000 crore
    12th Jun 2024, 10:29 AM

    Out of Rs 10,000 crore, the company has received approval to raise fund through Basel III compliant Additional Tier 1 (AT 1) Bonds not exceeding Rs 2,000 crore

    Read More
  • Union Bank Of India - Quarterly Results
    10th May 2024, 20:08 PM

    Read More
  • 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

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.