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Bank - Public

Rating :
39/99   (View)

BSE: 532477 | NSE: UNIONBANK

31.15
0.20 (0.65%)
04-Dec-2020 | 3:59PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 31.45
  • 31.95
  • 30.05
  • 30.95
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  15159912
  •  4722.31
  •  60.65
  •  22.65

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 19,957.32
  • N/A
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 52,552.45
  • N/A
  • 0.34

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 89.07%
  • 0.19%
  • 5.20%
  • FII
  • DII
  • Others
  • 0.66%
  • 4.68%
  • 0.20%

Chart

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

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 6.46
  • 6.69
  • 7.09

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • 35.50
  • -3.81

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -16.49

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.77
  • -
  • -

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.55
  • 0.47
  • 0.46

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.89
  • 5.14
  • 4.75

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 20
Sep 19
Var%
Jun 20
Jun 19
Var%
Mar 20
Mar 19
Var%
Dec 19
Dec 18
Var%
Interest Earned
17,913
9,468
89%
18,556
8,960
107%
9,363
8,387
12%
9,688
8,564
13%
Interest Exp.
11,496
6,512
77%
12,031
6,392
88%
6,434
5,760
12%
6,499
5,996
8%
Net Interest Income
6,417
2,956
117%
6,524
2,568
154%
2,929
2,627
12%
3,188
2,568
24%
NIM
0
0
0
0
0
0
0
0
0
0
0
0
Other Income
2,899
1,285
126%
1,931
1,094
77%
2,113
1,534
38%
1,297
1,193
9%
Total Income
20,812
10,753
94%
20,487
10,054
104%
11,476
9,921
16%
10,985
9,757
13%
Operating Exp.
4,577
1,969
132%
4,386
1,764
149%
0
2,397
-100%
2,067
1,932
7%
Operating Profit
4,740
2,272
109%
4,069
1,898
114%
2,655
1,764
51%
2,419
1,830
32%
Provision
4,141
3,885
7%
3,590
1,532
134%
3,612
5,783
-38%
1,857
1,676
11%
PBT
599
-1,613
-
479
366
31%
-3,468
-4,020
-
563
153
267%
PBTM
3
-17
-
3
4
-37%
11
-48
-
6
2
225%
TAX
75
-424
-
147
143
3%
-838
-687
-
9
-25
-
PAT
524
-1,189
-
332
224
49%
-2,629
-3,333
-
553
179
210%
PATM
3%
-13%
2%
2%
7%
-40%
6%
2%
EPS
0.82
-1.86
-
0.52
0.35
49%
-4.10
-5.20
-
0.86
0.28
207%
Gross NPA
0
0
0
0
0
0
0
0
0
0
0
0
Gross NPA%
0
0
0
0
0
0
0
0
0
0
0
0
Net NPA
0
0
0
0
0
0
0
0
0
0
0
0
Net NPA%
0
0
0
0
0
0
0
0
0
0
0
0
CASA
0
0
0
0
0
0
0
0
0
0
0
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Net Interest Income
19,059
11,642
10,418
9,481
9,041
8,422
8,525
7,927
7,593
6,923
6,227
Interest Earned
55,520
37,479
34,314
32,952
32,817
32,316
32,164
29,394
25,169
21,152
16,461
Interest Expended
36,460
25,837
23,896
23,471
23,776
23,894
23,640
21,467
17,575
14,230
10,234
Int. income Growth
78%
12%
10%
5%
7%
-1%
8%
4%
10%
11%
 
Other Income
8,241
5,789
5,042
5,462
5,430
3,934
3,957
3,141
2,868
2,316
2,040
Total Income
63,761
17,432
15,459
14,943
14,471
12,356
12,482
11,068
10,461
9,239
8,266
Total Expenditure
13,417
21,166
19,019
21,181
13,871
10,349
9,498
8,829
7,268
6,395
-6,416
Employee Cost
-
3,464
3,237
3,232
3,509
3,768
3,845
3,348
2,794
2,497
2,604
% Of Sales
-
9%
9%
10%
11%
12%
12%
11%
11%
12%
16%
Opt. & Establishment Exp.
-
5,141
4,993
4,387
3,753
3,197
3,064
2,726
2,267
1,670
-10,058
% Of Sales
-
14%
15%
13%
11%
10%
10%
9%
9%
8%
-61%
Provisions
-
13,395
11,536
14,298
7,091
3,882
3,039
3,151
2,518
2,529
1,350
% Of Sales
-
36%
34%
43%
22%
12%
9%
11%
10%
12%
8%
EBITDA
13,883
-3,734
-3,559
-6,238
600
2,007
2,984
2,238
3,193
2,844
14,683
EBITDA Margin
76%
-32%
-34%
-66%
7%
24%
35%
28%
42%
41%
236%
Depreciation
0
417
374
368
241
249
225
198
156
151
156
PBT
-1,827
-4,151
-3,933
-6,607
359
1,758
2,759
2,040
3,037
2,694
2,942
Exceptional Inc./Exp.
-
0
0
0
0
0
0
0
0
0
0
Provision for Tax
-607
-1,110
-1,000
-1,386
-208
415
1,002
371
906
938
873
Tax Rate
33%
27%
25%
21%
-58%
24%
36%
18%
30%
35%
30%
PAT
-1,220
-3,041
-2,933
-5,221
567
1,352
1,747
1,659
2,142
1,768
2,072
PAT before Minority Interest
-1,220
-3,041
-2,933
-5,221
567
1,343
1,757
1,670
2,131
1,756
2,069
Minority Interest
0
0
0
0
0
9
-10
-11
11
12
3
PAT Margin
-4%
-17%
-19%
-35%
4%
11%
14%
15%
20%
19%
25%
PAT Growth
-70%
0
0
-1,021%
-58%
-23%
5%
-23%
21%
-15%
 
EPS
-1.90
-4.75
-4.58
-8.15
0.88
2.11
2.73
2.59
3.34
2.76
3.23

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Shareholder's Funds
33,989
26,836
25,252
24,094
23,048
19,899
18,745
17,430
14,779
12,932
Share Capital
3,527
1,867
1,169
687
687
636
741
708
662
635
Total Reserves
30,463
24,969
24,083
22,865
22,361
19,263
18,004
16,722
14,117
12,297
Minority Interest
0
0
0
0
0
9
19
30
41
53
Deposits
4,52,436
4,17,505
4,10,288
3,77,195
3,44,118
3,17,450
2,97,651
2,63,682
2,22,777
2,02,400
Borrowings
52,714
43,276
45,680
41,226
30,637
35,168
29,316
23,797
17,909
13,316
Other Liabilities & Provisions
16,369
10,964
9,900
13,167
9,562
11,043
9,283
7,974
7,519
7,862
Total Liabilities
5,55,509
4,98,581
4,91,120
4,55,681
4,07,365
3,83,569
3,55,014
3,12,912
2,63,025
2,36,563
Net Block
4,721
3,730
3,812
3,884
3,939
2,690
2,622
2,483
2,339
2,288
Gross Block
8,442
7,063
6,804
6,561
5,629
4,794
4,498
4,137
3,819
3,612
Accumulated Depreciation
3,721
3,333
2,992
2,677
1,689
2,103
1,876
1,655
1,479
1,325
Total Non-Current Assets
5,31,953
4,74,109
4,69,383
4,38,202
3,92,391
3,67,037
3,49,685
3,08,617
2,59,038
2,32,341
Lease Adjustment A/c
0
0
0
0
0
0
0
0
0
0
Capital Work in Progress
54
44
34
21
13
4
1
13
9
14
Cash and balance with RBI
20,119
20,800
21,017
16,522
15,607
15,064
18,420
10,763
11,634
17,645
Balance with banks and money at call
35,130
22,363
28,463
16,384
14,010
7,539
4,901
5,448
4,070
2,488
Investments
1,54,251
1,28,391
1,25,485
1,13,441
90,573
85,818
94,636
81,808
63,104
58,913
Advances
3,17,677
2,98,780
2,90,572
2,87,950
2,68,250
2,55,921
2,29,105
2,08,102
1,77,882
1,50,993
Other Assets
23,556
24,472
21,738
17,479
14,973
16,532
5,329
4,295
3,987
4,222
Total Assets
5,55,509
4,98,581
4,91,120
4,55,681
4,07,365
3,83,569
3,55,014
3,12,912
2,63,025
2,36,563
Contingent Liabilities
1,89,113
1,99,232
2,66,829
2,31,886
3,97,437
3,49,105
1,95,524
3,24,595
2,36,622
1,59,485
Bills for collection
21,683
19,441
18,427
16,119
15,030
13,701
12,476
6,252
2,217
5,258
Adjusted Book Value
90
139
196
307
298
291
272
265
239
215

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Cash From Operating Activity
-7,681
-7,778
6,097
-6,624
8,077
-3,567
2,570
-4,245
-3,824
4,489
PBT
-4,231
-3,922
-6,598
365
1,772
2,757
2,041
3,038
0
0
Adjustment
14,906
12,868
15,950
8,220
4,910
3,528
3,580
2,746
2,080
2,615
Adjustments for Liabilities & Assets
-19,675
-15,792
-698
-13,669
2,185
-9,263
-2,296
-8,958
-5,892
1,840
Refund/(Payment) of direct taxes
1,319
-932
-2,556
-1,541
-789
-590
-755
-1,071
-12
34
Other Direct Payments
0
0
0
0
0
0
0
0
0
0
Cash From Investing Activity
-377
-297
-315
-280
-872
-318
-363
-343
-235
-208
Net Fixed Assets
-1,382
-265
-250
-261
-1,518
-293
-343
-314
-198
Other Investment Activity
-8,733
-7,369
-7,069
-7,411
-6,596
-5,123
-4,811
-4,360
-4,019
Cash from Financing Activity
20,144
1,758
10,792
10,194
-191
3,168
4,902
5,096
-370
75
Closing Cash & Equivalent
55,249
43,163
49,480
32,906
29,617
22,603
23,321
16,211
15,704
20,133
Net Cash Inflow / Outflow
12,086
-6,317
16,574
3,289
7,014
-718
7,109
507
-4,429
4,356
Opening Cash & Equivalents
43,163
49,480
32,906
29,617
22,603
23,321
16,211
15,704
20,133
15,777

Financial Ratios

Consolidated /

Standalone
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Mar 12
Mar 11
Book Value
90
139
196
307
298
291
272
265
239
215
NIM
2
2
2
2
2
2
2
2
3
3
Yield on Advances
12
11
11
11
12
13
13
12
12
11
Yield on Investments
8
8
8
10
9
9
8
8
8
8
Cost of Liabilities
5
5
5
6
6
7
7
6
6
5
Interest Spread
7
6
6
6
6
6
6
6
6
6
ROCE
-3%
-3%
-7%
4%
7%
9%
8%
11%
12%
14%
Cost Income Ratio
47
51
49
49
54
54
53
47
43
48
Core Cost Income Ratio
51
53
53
57
58
58
56
49
46
51
Operating Costs to Assets
1
2
1
2
2
2
2
2
2
2
Loans/Deposits
0
0
0
0
0
0
0
0
0
0
Cash/Deposits
0
0
0
0
0
0
0
0
0
0
Investment/Deposits
0
0
0
0
0
0
0
0
0
0
Inc Loan/Deposits
12%
10%
11%
11%
9%
11%
10%
9%
8%
7%
Credit Deposits
70%
72%
71%
76%
78%
81%
77%
79%
80%
75%
Interest Expended / Interest earned
69%
70%
71%
72%
74%
74%
73%
70%
67%
62%
Interest income / Total funds
7%
7%
7%
7%
8%
8%
8%
8%
8%
7%
Interest Expended / Total funds
5%
5%
5%
5%
6%
6%
6%
6%
5%
4%
CASA
35%
36%
34%
34%
32%
29%
30%
31%
31%
32%

News Update


  • Union Bank of India to seek shareholders’ nod to raise up to Rs 6,800 crore
    4th Dec 2020, 13:06 PM

    The extraordinary general meeting will be held on December 30, 2020

    Read More
  • Union Bank of India completes integration of all branches of Corporation Bank with itself
    3rd Dec 2020, 09:24 AM

    With this IT integration, all of erstwhile Corporation Bank, including service and specialised branches have been fully integrated with Union Bank of India

    Read More
  • Union Bank of India raises Rs 1000 crore through bonds
    27th Nov 2020, 11:40 AM

    The bank has allotted Basel III Compliant Tier II Bonds in the nature of Debentures Series XXVI on November 26, 2020

    Read More
  • Union Bank of India gets nod to raise Rs 6,800 crore
    26th Nov 2020, 09:18 AM

    The Board of Directors of the bank in its meeting held on November 25, 2020, has approved the same

    Read More
  • Union Bank of India planning to raise fund through various modes
    23rd Nov 2020, 10:57 AM

    The meeting of Board of Directors of the Bank is scheduled to be held on November 25, 2020, inter-alia, to consider & approve holding

    Read More
  • Union Bank Of India - Quarterly Results
    6th Nov 2020, 17:49 PM

    Read More
  • Union Bank of India raises Rs 1000 crore through bonds
    17th Sep 2020, 10:33 AM

    The bank has allotted 7.42% p.a., 10,000 Bonds face value of Rs 10,00,000 per bond

    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.