United Bank [Merged] Peer Comparison

NSE: UNITEDBNK | BSE: 533171

₹4.50

₹0.05 (1.12%)

As on 20-Mar-2020IST

Market cap

₹4,063 Cr

Revenue (TTM)

₹9,438 Cr

P/E Ratio

9.3

P/B Ratio

0.3

Div. Yield

0 %

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	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Market cap (₹ Cr)	4,063	63,307	32,109	28,747	23,358
Interest Income (₹ Cr)	9,438	14,736	11,555	37,270	7,249
Net Interest Income (₹ Cr)	2,926.35	6,536.59	5,281.95	14,771.97	3,024.68
NIM (%)	2.98	--	4.26	--	3.78
RoA (%)	0.30	0.55	2.14	0.87	1.61
Price to Earnings	9.28	70.41	11.70	6.30	16.65
Price-To-Book	0.32	1.48	2.16	0.77	2.13

Income Statement (₹ Cr)

	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Interest Earned	9,438.37	6,302.09	5,815.82	22,748.62	3,767.17
Other Income	2,497.93	1,440.98	962.77	2,416.33	514.39
Total Income	11,936.30	7,743.06	6,778.59	25,164.95	4,281.56
Interest Expended	6,512.02	3,760.65	3,453.00	15,934.66	2,155.68
Operating Expenses	2,966.46	2,043.90	1,614.81	6,080.16	885.89
Operating Profit before Prov. & Cont.	1,411.59	1,938.52	1,710.78	3,150.14	1,239.99
Provisions and Contingencies	3,203.40	640.68	1,388.55	11,306.59	315.14
Profit Before Tax	-4,580.91	1,297.83	322.23	-8,156.46	924.85
Taxes	-1,183.19	436.47	111.36	-2,528.74	242.00
Profit after Tax	437.61	861.36	210.87	-5,627.72	682.85
Minority Interest	0.00	18.82	--	43.46	--
Share of Associate	0.00	-5.90	--	16.59	--
Consolidated Profit	113.56	857.84	210.87	-5,616.93	682.85

	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Shareholder's Funds	13,646.35	7,534.79	6,422.80	19,396.04	4,840.76
Minority Interest	0.00	18.82	--	43.46	--
Deposits	1,34,624.39	58,357.63	59,867.95	3,00,311.39	38,447.95
Borrowings	2,008.75	11,832.07	1,565.34	5,639.67	480.91
Other Liabilities & Provisions	3,263.18	2,673.30	1,484.02	6,494.10	1,489.27
Total Liabilities	1,51,529.93	80,397.79	69,340.11	3,31,884.64	45,258.89

	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Cash and Balance with Reserve Bank of India	6,391.37	4,840.05	2,934.68	20,779.45	1,993.12
Balances with Banks and Money at Call	4,675.08	1,808.67	762.36	10,518.14	970.16
Investments	59,636.53	16,745.17	14,881.59	1,25,452.74	7,712.20
Advances	68,528.78	54,308.24	48,580.81	1,47,425.48	32,673.34
Net Block	1,234.07	375.57	544.94	4,319.80	250.03
Other Assets	13,141.18	2,280.15	1,597.68	23,389.03	1,660.03
Miscellaneous Exp. Not Written Off	--	--	--	--	--
Total Assets	1,51,529.93	80,397.79	69,340.11	3,31,884.64	45,258.89

	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Cash From Operating Activities	-15,073.70	78.24	-1,575.65	-14,509.99	418.60
Cash Flow from Investing Activities	-73.23	-201.71	549.35	-250.94	-86.69
Cash from Financing Activities	4,576.10	2,566.64	414.13	6,796.11	-5.07
Net Cash Inflow / Outflow	-10,570.83	2,443.18	-612.17	-7,964.82	326.84

	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Yield on Advances	12.78	11.60	11.97	15.43	11.53
Yield on Investments	7.13	7.00	8.21	6.92	7.60
Interest Spread	7.98	6.25	6.35	10.22	5.99
NIM (%)	2.98	3.27	3.52	2.24	3.72
ROE (%)	3.46	12.12	3.32	-36.09	15.17
ROA (%)	0.30	1.21	0.31	-1.71	1.60
Cost to Income Ratio	67.62	51.32	48.56	65.87	41.67

	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Revenue Growth (%)	10.59	38.16	2.04	-5.85	10.72
EBIT Growth (%)	37.84	44.52	-3.74	14.37	2.67
Net Profit Growth (%)	116.38	34.76	-39.00	-10.44	15.35
EPS Growth (%)	106.37	33.56	-39.00	29.30	14.83
Book Value Growth (%)	37.08	12.79	2.53	6.82	16.27

	United Bank [Merged]	RBL Bank	Karur Vysya Bank	Central Bank	City Union Bank
Price / Earnings	0.00	33.89	27.14	0.00	21.96
Price / Book Value	0.78	3.86	0.89	0.92	3.10
Dividend Yield (%)	0.00	0.40	0.84	0.00	0.24
EV/EBITDA	7.38	21.10	4.26	6.48	12.48
Market Cap (₹ Cr)	8,215.28	29,073.86	5,723.35	14,772.95	14,998.60

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.