Nifty

:

25405.30

Sensex

:

83239.47

-48.10 (-0.19%)
-170.22 (-0.20%)

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Nifty
Sensex

:
:

25405.30
83239.47

-48.10 (-0.19%)
-170.22 (-0.20%)

United Bank of India - (Amalgamated)

Bank - Public

Rating :

N/A

BSE: 533171 | NSE: UNITEDBNK

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NSE BSE

Not traded in the last 30 days

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Traded Value (lacs)
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Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

4,063.05
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

97.88
N/A
N/A

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

-
-
-

PAT CAGR (%)

10 Years
5 Years
3 Years

-
-
-

P:E (Median)

8 Years
5 Years
3 Years

-

P:BV (Average)

8 Years
5 Years
3 Years

-

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-

Quarterly Results

N/A

Annual Results

Standalone Figures in Rs. Crores

Right to Left

Description TTM Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Net Interest Income 2,926.35 1,974.61 1,492.87 1,927.73 2,280.56 2,490.66 2,562.82 2,487.26 2,479.23 2,169.35 1,391.22 Interest Earned 9,438.37 8,559.88 8,341.63 9,427.91 9,936.67 10,180.48 10,599.29 9,251.49 7,961.09 6,341.46 5,248.94 Interest Expended 6,512.02 6,585.27 6,848.76 7,500.18 7,656.11 7,689.82 8,036.47 6,764.23 5,481.86 4,172.11 3,857.72 Int. income Growth 55.54% 32.27% -22.56% -15.47% -8.44% -2.82% 3.04% 0.32% 14.28% 55.93% Other Income 2,497.93 2,384.58 2,214.57 2,186.62 1,467.53 1,746.91 1,206.87 1,066.57 732.90 637.05 558.74 Total Income 11,936.30 4,359.19 3,707.44 4,114.35 3,748.09 4,237.57 3,769.69 3,553.83 3,212.13 2,806.40 1,949.96 Total Expenditure 2,966.46 8,814.37 6,533.98 4,925.05 4,356.02 3,536.60 5,256.72 3,202.48 2,293.92 2,037.10 1,440.90 Employee Cost - 1,954.49 1,712.59 1,624.18 2,133.91 1,038.29 1,014.34 932.52 891.19 814.36 662.49 % Of Sales - 22.83% 20.53% 17.23% 21.48% 10.20% 9.57% 10.08% 11.19% 12.84% 12.62% Opt. & Establishment Exp. - 1,118.85 1,090.92 1,040.79 941.64 877.06 762.80 632.21 561.80 585.38 510.18 % Of Sales - 13.07% 13.08% 11.04% 9.48% 8.62% 7.20% 6.83% 7.06% 9.23% 9.72% Provisions - 5,992.49 3,970.75 2,467.10 1,485.99 1,832.69 3,617.96 1,759.39 980.31 838.02 465.33 % Of Sales - 70.01% 47.60% 26.17% 14.95% 18.00% 34.13% 19.02% 12.31% 13.21% 8.87% EBITDA 2,457.82 -4,455.18 -2,826.54 -810.70 -607.93 700.97 -1,487.03 351.35 918.21 769.30 509.06 EBITDA Margin 68.57% -225.62% -189.34% -42.05% -26.66% 28.14% -58.02% 14.13% 37.04% 35.46% 36.59% Depreciation 0.00 125.73 120.14 103.51 102.76 105.72 69.19 60.82 69.69 100.33 98.55 PBT -745.58 -4,580.91 -2,946.69 -914.21 -710.69 595.25 -1,556.21 290.52 848.53 668.97 410.52 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 -1,183.19 -2,264.98 -1,492.24 -1,133.72 -428.73 339.26 -342.77 -101.38 216.00 145.00 88.16 Tax Rate 158.69% 49.44% 50.64% 124.01% 60.33% 56.99% 22.03% -34.90% 25.46% 21.68% 21.48% PAT 437.61 -2,315.93 -1,454.45 219.51 -281.96 255.99 -1,213.44 391.90 632.53 523.97 322.36 PAT before Minority Interest 437.61 -2,315.93 -1,454.45 219.51 -281.96 255.99 -1,213.44 391.90 632.53 523.97 322.36 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 8.07% -53.13% -39.23% 5.34% -7.52% 6.04% -32.19% 11.03% 19.69% 18.67% 16.53% PAT Growth -116.38% 0 -762.59% 0 -210.14% 0 -409.63% -38.04% 20.72% 62.54% EPS 0.48 -2.55 -1.60 0.24 -0.31 0.28 -1.34 0.43 0.70 0.58 0.36

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Shareholder's Funds 11,498.88 8,675.24 7,743.81 6,319.19 5,828.04 5,282.65 5,883.72 5,579.69 5,021.68 3,902.93 Share Capital 7,427.92 3,000.00 1,394.36 839.52 839.52 1,354.75 1,174.71 1,161.00 1,144.42 866.43 Total Reserves 4,070.96 5,661.59 5,931.46 4,999.67 4,988.52 3,927.91 4,709.01 4,418.69 3,877.26 3,036.50 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Deposits 1,34,983.32 1,29,326.38 1,26,939.25 1,16,401.28 1,08,817.60 1,11,509.71 1,00,651.54 89,116.26 77,844.80 68,180.32 Borrowings 2,203.72 3,306.06 2,551.75 2,912.51 4,061.73 4,460.24 4,942.70 4,920.19 4,411.54 915.34 Other Liabilities & Provisions 2,844.02 3,440.98 3,818.30 3,798.78 4,320.21 3,852.35 3,137.15 2,394.25 2,762.51 4,006.40 Total Liabilities 1,51,529.94 1,44,748.66 1,41,053.11 1,29,431.76 1,23,027.58 1,25,104.95 1,14,615.11 1,02,010.39 90,040.53 77,004.99 Net Block 1,234.07 1,286.50 1,177.76 1,209.27 873.36 923.57 820.76 791.72 817.03 650.42 Gross Block 2,503.08 2,458.49 2,173.93 2,204.91 1,772.97 1,735.70 1,550.76 1,451.51 1,392.03 1,121.92 Accumulated Depreciation 1,269.01 1,171.99 996.16 995.64 899.60 812.12 730.00 659.79 575.00 471.50 Total Non-Current Assets 1,38,834.68 1,34,419.41 1,33,372.50 1,22,320.16 1,16,916.48 1,22,394.42 1,12,217.66 1,00,184.34 87,908.00 75,426.57 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 5.99 6.59 3.90 1.65 4.05 15.16 36.29 13.28 1.84 0.57 Cash and balance with RBI 6,168.88 6,212.14 6,634.46 6,070.45 5,815.60 6,269.78 3,846.61 5,091.79 5,943.15 4,707.02 Balance with banks and money at call 3,494.61 14,022.18 6,381.59 2,255.21 214.94 4,542.06 5,141.94 2,185.46 1,384.59 1,670.78 Investments 60,976.03 50,401.80 53,035.49 44,723.38 43,245.49 44,876.34 33,463.40 29,058.80 26,258.95 26,067.74 Advances 66,955.10 62,490.20 66,139.30 68,060.20 66,763.04 65,767.51 68,908.66 63,043.29 53,502.44 42,330.04 Other Assets 12,695.25 10,329.24 7,680.62 7,111.59 6,111.09 2,710.52 2,397.44 1,826.05 2,132.53 1,578.42 Total Assets 1,51,529.93 1,44,748.65 1,41,053.12 1,29,431.75 1,23,027.57 1,25,104.94 1,14,615.10 1,02,010.39 90,040.53 77,004.99 Contingent Liabilities 8,091.53 7,845.03 8,692.70 11,583.91 6,450.34 9,908.33 13,137.67 11,997.56 8,157.37 9,812.19 Bills for collection 2,592.13 3,691.04 2,137.88 1,959.97 2,416.51 2,880.71 3,309.03 3,016.60 2,275.42 1,781.26 Adjusted Book Value 14.24 25.72 46.08 58.54 62.35 69.83 119.01 114.65 103.46 105.96

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Cash From Operating Activity -15,073.70 4,658.77 4,122.96 2,427.60 -4,803.07 1,168.79 1,782.55 -22.32 687.76 -362.33 PBT -4,549.63 -2,946.69 -914.20 -710.69 454.10 -1,213.44 490.90 848.53 668.97 410.52 Adjustment 4,035.00 2,733.52 1,622.95 2,403.32 2,496.68 3,551.80 1,772.92 1,180.62 1,081.16 706.94 Adjustments for Liabilities & Assets -14,599.08 4,813.09 3,294.21 624.97 -7,647.85 -1,128.57 -261.28 -1,793.47 -894.38 -1,354.78 Refund/(Payment) of direct taxes 40.00 58.85 120.00 110.00 -106.00 -41.00 -220.00 -258.00 -168.00 -125.00 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -73.23 -234.66 -74.27 -89.63 -44.98 -150.83 -111.95 -55.77 -60.94 -142.41 Net Fixed Assets -43.99 -287.25 28.73 -429.54 -26.16 -163.81 -122.26 -70.92 -271.38 -140.92 Other Investment Activity -2743.73 -2539.35 -2267.46 -2251.54 -1927.85 -1862.81 -1642.82 -1525.73 -1536.28 -1206.06 Cash from Financing Activity 4,576.10 2,794.17 641.70 -42.85 66.75 805.32 40.71 27.60 323.12 472.33 Closing Cash & Equivalent 9,663.49 20,234.32 13,016.05 8,325.66 6,030.54 10,811.84 8,988.56 7,277.25 7,327.74 6,377.80 Net Cash Inflow / Outflow -10,570.83 7,218.28 4,690.39 2,295.12 -4,781.30 1,823.28 1,711.31 -50.49 949.94 -32.41 Opening Cash & Equivalents 20,234.32 13,016.05 8,325.66 6,030.54 10,811.84 8,988.56 7,277.25 7,327.74 6,377.80 6,410.21

Financial Ratios

Standalone

Right to Left

Description Mar 19 Mar 18 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13 Mar 12 Mar 11 Mar 10
Book Value 14.24 25.72 46.08 58.54 62.35 69.83 119.01 114.65 103.46 91.69 NIM 1.44 1.12 1.46 1.88 2.15 2.11 2.23 2.49 2.49 1.86 Yield on Advances 12.78 13.35 14.25 14.60 15.25 16.12 13.43 12.63 11.85 12.40 Yield on Investments 7.13 8.10 8.60 8.64 9.36 6.96 8.15 7.21 7.13 6.62 Cost of Liabilities 4.80 5.16 5.79 6.42 6.81 6.93 6.41 5.83 5.07 5.58 Interest Spread 7.98 8.18 8.46 8.18 8.44 9.19 7.02 6.80 6.78 6.82 ROCE -33.64% -24.17% -5.55% -2.50% 10.51% -10.59% 7.72% 12.34% 13.91% 14.27% Cost Income Ratio 67.62 72.38 62.26 79.31 42.70 45.31 42.32 43.06 46.30 55.08 Core Cost Income Ratio 95.52 118.56 98.04 101.66 58.95 52.65 48.72 46.19 49.82 60.70 Operating Costs to Assets 1.95 1.85 1.82 2.30 1.47 1.37 1.31 1.36 1.44 1.39 Loans/Deposits 0.02 0.03 0.02 0.03 0.04 0.04 0.05 0.06 0.06 0.01 Cash/Deposits 0.05 0.05 0.05 0.05 0.05 0.06 0.04 0.06 0.08 0.07 Investment/Deposits 0.45 0.39 0.42 0.38 0.40 0.40 0.33 0.33 0.34 0.38 Inc Loan/Deposits 1.63% 2.56% 2.01% 2.50% 3.73% 4.00% 4.91% 5.52% 5.67% 1.34% Credit Deposits 49.60% 48.32% 52.10% 58.47% 61.35% 58.98% 68.46% 70.74% 68.73% 62.09% Interest Expended / Interest earned 76.93% 82.10% 79.55% 77.05% 75.53% 75.82% 73.12% 68.86% 65.79% 73.50% Interest income / Total funds 5.65% 5.76% 6.68% 7.68% 8.27% 8.47% 8.07% 7.80% 7.04% 6.82% Interest Expended / Total funds 4.35% 4.73% 5.32% 5.92% 6.25% 6.42% 5.90% 5.37% 4.63% 5.01% CASA 51.45% 48.44% 47.33% 41.92% 42.05% 36.98% 39.65% 40.77% 40.78% 38.11%

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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.

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