United Bank of India, 533171, UNITEDBNK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

7,056.52
N/A
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

3,091.36
N/A
0.66

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

3.56
-4.54
0.80

EBITDA CAGR (%)

10 Years
5 Years
3 Years

46.96
43.33
17.57

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

0.48
0.47
0.50

EV:EBITDA (Average)

8 Years
5 Years
3 Years

2.21
1.38
0.39

Quarterly Results

Standalone Figures in Rs. Crores

Description Jun 19 Jun 18 Var% Mar 19 Mar 18 Var% Dec 18 Dec 17 Var% Sep 18 Sep 17 Var%
Interest Earned 2,374.39 2,155.02 10.18% 2,213.29 2,188.00 1.16% 2,068.15 2,004.64 3.17% 2,123.42 2,075.70 2.30%
Interest Exp. 1,646.92 1,609.72 2.31% 1,606.62 1,674.48 -4.05% 1,688.11 1,656.70 1.90% 1,680.82 1,699.44 -1.10%
Net Interest Income 727.47 545.30 33.41% 606.67 513.52 18.14% 380.04 347.94 9.23% 442.60 376.26 17.63%
NIM 2.83 2.36 19.92% 2.43 2.30 5.65% 2.00 1.51 32.45% 2.16 1.66 30.12%
Other Income 628.74 394.69 59.30% 734.76 447.69 64.12% 778.08 478.37 62.65% 477.05 509.19 -6.31%
Total Income 3,003.13 2,549.71 17.78% 2,948.05 2,635.69 11.85% 2,846.23 2,483.01 14.63% 2,600.47 2,584.89 0.60%
Operating Exp. 673.69 657.22 2.51% 801.62 828.31 -3.22% 775.48 644.78 20.27% 713.28 599.45 18.99%
Operating Profit 682.52 282.77 141.37% 539.81 132.90 306.18% 382.64 181.53 110.79% 206.37 286.00 -27.84%
Provision 571.65 856.30 -33.24% 1,687.75 1,384.95 21.86% 1,967.20 1,074.35 83.11% 1,481.24 753.09 96.69%
PBT 110.87 -573.53 - -1,147.94 -1,252.05 - -1,584.56 -892.82 - -1,274.87 -467.09 -
PBTM 4.67 -26.61 - -51.87 -57.22 - -76.62 -44.54 - -60.04 -22.50 -
TAX 5.88 -184.85 - -1,243.12 -991.43 - -445.31 -255.29 - -391.70 -122.26 -
PAT 104.99 -388.68 - 95.18 -260.62 - -1,139.25 -637.53 - -883.17 -344.83 -
PATM 4.42% -18.04% 4.30% -11.91% -55.09% -31.80% -41.59% -16.61%
EPS 0.14 -1.29 - 0.13 -0.87 - -3.75 -4.08 - -2.91 -2.21 -
Gross NPA 11,639.74 15,169.21 -23.27% 12,053.38 16,552.11 -27.18% 14,737.61 13,720.69 7.41% 15,163.28 12,892.67 17.61%
Gross NPA% 15.89 22.73 -30.09% 16.48 24.10 -31.62% 21.27 20.10 5.82% 22.69 18.80 20.69%
Net NPA 5,496.09 9,232.61 -40.47% 5,785.61 10,316.30 -43.92% 7,489.89 7,365.14 1.69% 8,658.10 7,279.64 18.94%
Net NPA% 8.19 15.17 -46.01% 8.67 16.49 -47.42% 12.08 11.96 1.00% 14.36 11.63 23.47%
CASA 50.59 48.95 3.35% 51.45 48.44 6.21% 49.49 47.19 4.87% 49.23 47.44 3.77%

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

Standalone Figures in Rs. Crores

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 2,156.78 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 8,779.25 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 6,622.47 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 20.96% 32.27% -22.56% -15.47% -8.44% -2.82% 3.04% 0.32% 14.28% 55.93% Other Income 2,618.63 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 11,397.88 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 2,964.07 8,814.37 6,523.98 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 3,960.75 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% 47.48% 26.17% 14.95% 18.00% 34.13% 19.02% 12.31% 13.21% 8.87% EBITDA 1,811.34 -4,455.18 -2,816.54 -810.70 -607.93 700.97 -1,487.03 351.35 918.21 769.30 509.06 EBITDA Margin 66.24% -225.62% -188.67% -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 -3,896.50 -4,580.91 -2,936.69 -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 -2,074.25 -2,264.98 -1,482.24 -1,133.72 -428.73 339.26 -342.77 -101.38 216.00 145.00 88.16 Tax Rate 53.23% 49.44% 50.47% 124.01% 60.33% 56.99% 22.03% -34.90% 25.46% 21.68% 21.48% PAT -1,822.25 -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 -1,822.25 -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 -38.16% -53.13% -39.23% 5.34% -7.52% 6.04% -32.19% 11.03% 19.69% 18.67% 16.53% PAT Growth 11.68% 0 -762.59% 0 -210.14% 0 -409.63% -38.04% 20.72% 62.54% Unadjusted EPS -6.39 -7.04 -4.85 1.86 -3.36 3.78 -28.68 8.64 15.79 14.38 2.51

Results Balance Sheet

Standalone Figures in Rs. Crores

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 134,983.32 129,326.38 126,939.25 116,401.28 108,817.60 111,509.71 100,651.54 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 151,529.94 144,748.66 141,053.11 129,431.76 123,027.58 125,104.95 114,615.11 102,010.39 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 2,356.18 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 1,069.68 996.16 995.64 899.60 812.12 730.00 659.79 575.00 471.50 Total Non-Current Assets 138,834.68 134,419.41 133,372.50 122,320.16 116,916.48 122,394.42 112,217.66 100,184.34 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 151,529.93 144,748.65 141,053.12 129,431.75 123,027.57 125,104.94 114,615.10 102,010.39 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

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 -146.30 -184.94 28.73 -429.54 -26.16 -163.81 -122.26 -70.92 -271.38 -140.92 Other Investment Activity -2743.73 -2437.04 -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

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% -24.08% -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%

Top Investors:

life insurance corporation of india

Annual Reports:

News Update:

United Bank of India to amalgamate into Punjab National Bank
4th Sep 2019, 11:31 AM

The meeting of the Board of Directors of the Bank has been scheduled on September 6, 2019, to consider the same
Read More
United Bank of India introduces external benchmark linked lending rates
30th Aug 2019, 08:56 AM

The RLLR will be effective for loans sanctioned from September 01, 2019
Read More
United Bank of India aims net profit of Rs 1,000 crore in FY20
19th Aug 2019, 10:28 AM

The bank is planning to raise capital to the tune of Rs 800-1,000 crore in the Q3FY20
Read More
United Bank of India turns black in Q1
7th Aug 2019, 12:26 PM

Total income of the Bank increased by 17.78% at Rs 3003.13 crore for Q1FY20
Read More
RBI imposes penalty of Rs 1 crore on United Bank of India
5th Aug 2019, 10:02 AM

The regulator has imposed penalty for delaying in reporting of fraud in the account of Kingfisher Airlines
Read More
United Bank of India turns black in Q1
30th Jul 2019, 14:22 PM

Total income of the bank increased by 17.78% at Rs 3003.13 crore for Q1FY20
Read More
United Bank - Quarterly Results
30th Jul 2019, 13:12 PM

Read More

United Bank of India

Bank - Public

BSE: 533171 | NSE: UNITEDBNK

Stock Summary

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

United Bank of India

Bank - Public

BSE: 533171 | NSE: UNITEDBNK

Stock Summary

Shareholding Pattern

Chart

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

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: