Union Bank of India
Union Bank of India is engaged in the Business of Banking Services, Government Business ,Merchant Banking, Agency Business Insurance, Mutual Funds, Wealth Management etc.[1]
- Market Cap ₹ 1,17,176 Cr.
- Current Price ₹ 154
- High / Low ₹ 162 / 65.4
- Stock P/E 8.93
- Book Value ₹ 115
- Dividend Yield 1.95 %
- ROCE 5.02 %
- ROE 11.3 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 29.3% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 8.67% over last 3 years.
- Contingent liabilities of Rs.6,51,376 Cr.
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Banks Industry: Banks - Public Sector
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 21,028 | 25,125 | 29,349 | 32,084 | 32,199 | 32,660 | 32,748 | 34,067 | 37,231 | 68,767 | 67,944 | 80,743 | 95,432 |
Interest | 14,235 | 17,582 | 21,470 | 23,640 | 23,886 | 23,757 | 23,443 | 23,852 | 25,794 | 44,079 | 40,157 | 47,978 | 60,048 |
6,382 | 6,880 | 8,440 | 8,963 | 9,935 | 13,290 | 20,573 | 18,247 | 20,314 | 33,138 | 30,994 | 34,524 | 31,982 | |
Financing Profit | 411 | 663 | -561 | -519 | -1,622 | -4,386 | -11,268 | -8,033 | -8,877 | -8,450 | -3,207 | -1,758 | 3,403 |
Financing Margin % | 2% | 3% | -2% | -2% | -5% | -13% | -34% | -24% | -24% | -12% | -5% | -2% | 4% |
2,448 | 2,552 | 2,822 | 3,523 | 3,632 | 4,965 | 4,990 | 4,474 | 5,261 | 11,744 | 12,525 | 14,633 | 16,642 | |
Depreciation | 146 | 151 | 194 | 221 | 244 | 236 | 363 | 368 | 411 | 895 | 738 | 737 | 0 |
Profit before tax | 2,713 | 3,064 | 2,067 | 2,783 | 1,765 | 342 | -6,641 | -3,927 | -4,028 | 2,399 | 8,579 | 12,138 | 20,045 |
Tax % | 34% | 30% | 18% | 36% | 23% | -62% | 21% | 25% | 28% | -21% | 39% | 31% | |
1,787 | 2,158 | 1,696 | 1,782 | 1,352 | 555 | -5,247 | -2,947 | -2,898 | 2,906 | 5,232 | 8,433 | 13,120 | |
EPS in Rs | 32.46 | 36.16 | 26.91 | 28.02 | 19.66 | 8.08 | -44.90 | -16.72 | -8.47 | 4.54 | 7.66 | 12.34 | 18.39 |
Dividend Payout % | 25% | 22% | 15% | 21% | 10% | 0% | 0% | 0% | 0% | 0% | 25% | 24% |
Compounded Sales Growth | |
---|---|
10 Years: | 12% |
5 Years: | 20% |
3 Years: | 29% |
TTM: | 26% |
Compounded Profit Growth | |
---|---|
10 Years: | 15% |
5 Years: | 29% |
3 Years: | 70% |
TTM: | 85% |
Stock Price CAGR | |
---|---|
10 Years: | 1% |
5 Years: | 10% |
3 Years: | 65% |
1 Year: | 131% |
Return on Equity | |
---|---|
10 Years: | 3% |
5 Years: | 4% |
3 Years: | 9% |
Last Year: | 11% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 551 | 597 | 630 | 636 | 687 | 687 | 1,169 | 1,763 | 3,423 | 6,407 | 6,835 | 6,835 |
Reserves | 13,972 | 16,588 | 17,734 | 19,125 | 22,204 | 23,289 | 23,928 | 24,724 | 30,363 | 58,070 | 63,741 | 71,499 |
Preference Capital | 111 | 111 | 111 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
240,778 | 287,559 | 326,992 | 352,230 | 373,677 | 417,125 | 454,182 | 458,779 | 503,155 | 975,642 | 1,083,572 | 1,160,854 | |
6,911 | 7,390 | 8,424 | 9,625 | 8,127 | 11,603 | 8,101 | 8,773 | 13,743 | 31,587 | 33,443 | 41,564 | |
Total Liabilities | 262,211 | 312,134 | 353,781 | 381,616 | 404,696 | 452,704 | 487,380 | 494,039 | 550,683 | 1,071,706 | 1,187,591 | 1,280,752 |
2,332 | 2,467 | 2,608 | 2,678 | 3,928 | 3,873 | 3,800 | 3,719 | 4,709 | 7,282 | 7,155 | 8,805 | |
CWIP | 4 | 12 | 1 | 4 | 12 | 21 | 33 | 44 | 53 | 62 | 36 | 21 |
Investments | 62,364 | 80,830 | 93,723 | 84,462 | 89,208 | 112,149 | 123,754 | 126,047 | 152,414 | 331,512 | 348,507 | 339,299 |
197,512 | 228,824 | 257,449 | 294,472 | 311,548 | 336,661 | 359,793 | 364,230 | 393,507 | 732,850 | 831,892 | 932,628 | |
Total Assets | 262,211 | 312,134 | 353,781 | 381,616 | 404,696 | 452,704 | 487,380 | 494,039 | 550,683 | 1,071,706 | 1,187,591 | 1,280,752 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
-3,830 | -4,227 | 2,318 | -3,799 | 88 | -5,804 | 6,170 | -7,246 | -75 | 20,443 | 36,214 | 5,984 | |
-223 | -334 | -357 | -255 | -17 | -523 | -343 | -363 | -7 | 27,538 | -357 | -2,408 | |
-370 | 5,096 | 4,902 | 3,359 | -2 | 9,873 | 10,792 | 1,214 | 203 | -18,676 | -767 | -10,926 | |
Net Cash Flow | -4,423 | 535 | 6,862 | -695 | 69 | 3,546 | 16,619 | -6,395 | 121 | 29,304 | 35,090 | -7,350 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 13% | 14% | 10% | 9% | 6% | 2% | -21% | -11% | -10% | 6% | 8% | 11% |
Documents
Announcements
- Compliances-Reg. 39 (3) - Details of Loss of Certificate / Duplicate Certificate 9h
- Closure of Trading Window 11h
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 11h
- Appointment Of Shri Pankaj Dwivedi As The Executive Director Of The Union Bank Of India. 1d
-
Announcement under Regulation 30 (LODR)-Change in Directorate
1d - Change in Directorate - Cessation of tenure of Shri Nidhu Saxena, Executive Director of the Bank.
Annual reports
-
Financial Year 2023
from bse
-
Financial Year 2022
from bse
-
Financial Year 2021
from bse
-
Financial Year 2020
from bse
-
Financial Year 2019
from bse
-
Financial Year 2018
from bse
-
Financial Year 2017
from bse
-
Financial Year 2016
from bse
-
Financial Year 2015
from bse
-
Financial Year 2014
from bse
-
Financial Year 2013
from bse
-
Financial Year 2012
from bse
-
Financial Year 2012
from nse
-
Financial Year 2011
from bse
-
Financial Year 2010
from bse
Concalls
-
Jan 2024Transcript PPT
-
Nov 2023Transcript PPT
-
Jul 2023Transcript PPT
-
Jul 2023TranscriptNotesPPT
-
May 2023Transcript PPT
-
Jan 2023Transcript PPT
-
Oct 2022Transcript PPT
-
Jul 2022Transcript PPT
-
May 2022Transcript PPT
-
Feb 2022Transcript PPT
-
Nov 2021Transcript PPT
-
Jul 2021Transcript PPT
-
Jun 2021TranscriptNotesPPT
-
Jun 2021Transcript PPT
-
Mar 2021TranscriptNotesPPT
-
Mar 2021TranscriptNotesPPT
-
Jan 2021TranscriptNotesPPT
-
Jan 2021TranscriptNotesPPT
-
Dec 2020TranscriptPPT
-
Nov 2020Transcript PPT
-
Aug 2020Transcript PPT
-
Jun 2020Transcript PPT
-
Feb 2020Transcript PPT
-
Nov 2019TranscriptNotesPPT
-
Aug 2019Transcript PPT
-
May 2019Transcript PPT
-
Jan 2019Transcript PPT
-
Oct 2018Transcript PPT
-
Aug 2018Transcript PPT
-
May 2018Transcript PPT
-
Feb 2018Transcript PPT
-
Nov 2017Transcript PPT
-
Nov 2017TranscriptNotesPPT
-
Aug 2017Transcript PPT
-
May 2017TranscriptPPT
Ratios (FY23)[1][2]
Capital Adequacy Ratio - 16.04%
Net Interest Margin - 3.07%
Gross NPA - 7.53%
Net NPA - 1.70%
CASA Ratio - 35.62%[3]