Union Bank of India

Union Bank (I) Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Union Bank of India

₹ 141 1.51%
18 May - close price
unionbankofindia.co.in BSE: 532477 NSE: UNIONBANK
About

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]

Key Points

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]

Website BSE NSE
  • Market Cap ₹ 1,07,825 Cr.
  • Current Price ₹ 141
  • High / Low ₹ 163 / 68.0
  • Stock P/E 7.82
  • Book Value ₹ 115
  • Dividend Yield 2.12 %
  • ROCE 6.83 %
  • ROE 17.5 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 46.4% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.4% over last 3 years.
  • Contingent liabilities of Rs.6,51,666 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Revenue 15,622 17,279 16,851 17,072 17,028 18,256 19,778 20,966 22,163 23,613 24,732 25,521 26,510
Interest 10,079 10,127 9,881 9,762 10,409 10,598 11,384 12,242 13,810 14,664 15,498 16,236 16,966
9,391 8,713 9,410 7,946 6,940 8,442 9,598 8,817 10,041 7,978 7,962 8,012 9,365
Financing Profit -3,848 -1,561 -2,441 -635 -321 -784 -1,204 -93 -1,688 971 1,271 1,273 179
Financing Margin % -25% -9% -14% -4% -2% -4% -6% -0% -8% 4% 5% 5% 1%
5,059 3,267 4,771 3,161 2,326 2,948 3,697 3,669 5,601 4,209 4,221 4,281 5,102
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1,211 1,706 2,330 2,526 2,005 2,165 2,493 3,576 3,912 5,180 5,492 5,554 5,281
Tax % -4% 35% 36% 58% 23% 28% 26% 37% 28% 37% 35% 35% 37%
1,269 1,120 1,511 1,077 1,557 1,583 1,853 2,264 2,812 3,272 3,572 3,625 3,328
EPS in Rs 1.98 1.64 2.21 1.58 2.28 2.32 2.71 3.31 4.11 4.79 4.82 4.89 4.36
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Revenue 25,169 29,394 32,164 32,316 32,817 32,952 34,314 37,479 69,311 68,230 81,163 100,376
Interest 17,575 21,467 23,640 23,894 23,776 23,471 23,896 25,837 44,112 40,178 48,033 63,364
7,268 8,829 9,498 10,349 13,871 21,181 19,019 21,166 36,270 32,264 36,155 33,316
Financing Profit 325 -902 -973 -1,928 -4,830 -11,700 -8,601 -9,523 -11,071 -4,213 -3,024 3,695
Financing Margin % 1% -3% -3% -6% -15% -36% -25% -25% -16% -6% -4% 4%
2,868 3,141 3,957 3,934 5,430 5,462 5,042 5,789 14,307 13,524 15,915 17,813
Depreciation 156 198 225 249 241 368 374 417 908 745 745 0
Profit before tax 3,037 2,040 2,759 1,758 359 -6,607 -3,933 -4,151 2,327 8,566 12,147 21,508
Tax % 30% 18% 36% 24% -58% 21% 25% 27% -22% 39% 31% 36%
2,146 1,687 1,771 1,347 573 -5,212 -2,922 -3,121 2,863 5,265 8,512 13,797
EPS in Rs 36.14 26.59 27.69 19.73 8.33 -44.61 -16.58 -9.12 4.47 7.70 12.45 18.07
Dividend Payout % 22% 15% 22% 10% 0% 0% 0% 0% 0% 25% 24% 0%
Compounded Sales Growth
10 Years: 13%
5 Years: 24%
3 Years: 13%
TTM: 24%
Compounded Profit Growth
10 Years: 23%
5 Years: 46%
3 Years: 69%
TTM: 62%
Stock Price CAGR
10 Years: -4%
5 Years: 15%
3 Years: 57%
1 Year: 104%
Return on Equity
10 Years: 5%
5 Years: 9%
3 Years: 12%
Last Year: 18%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 597 630 636 687 687 1,169 1,763 3,423 6,407 6,835 6,835
Reserves 16,722 18,004 19,263 22,361 23,406 24,083 25,073 30,567 58,331 64,026 71,969
Preference Capital 111 111 0 0 0 0 0 0 0 0 0
287,478 326,967 352,618 374,754 418,420 455,969 460,780 505,150 977,576 1,085,613 1,163,059
8,114 9,411 11,048 9,562 13,167 9,900 10,964 16,369 40,063 37,292 46,495
Total Liabilities 312,912 355,013 383,566 407,365 455,681 491,120 498,581 555,509 1,082,377 1,193,766 1,288,357
2,483 2,621 2,690 3,939 3,896 3,824 3,743 4,734 7,303 7,171 8,826
CWIP 13 2 4 13 21 34 44 54 63 37 22
Investments 81,808 94,636 85,818 90,573 113,441 125,485 128,391 154,251 339,059 351,839 343,727
228,608 257,753 295,053 312,840 338,322 361,777 366,402 396,470 735,952 834,718 935,782
Total Assets 312,912 355,013 383,566 407,365 455,681 491,120 498,581 555,509 1,082,377 1,193,766 1,288,357

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-4,245 2,570 -3,567 81 -6,624 6,097 -7,778 -77 20,527 36,339 6,111 19,930
-343 -363 -318 -9 -280 -315 -297 -4 -601 -558 -2,561 -1,394
5,096 4,902 3,168 -2 10,194 10,792 1,758 201 -18,861 -786 -10,654 -11,489
Net Cash Flow 507 7,109 -718 70 3,289 16,574 -6,317 121 1,066 34,995 -7,104 7,047

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 13% 9% 9% 6% 2% -21% -11% -10% 6% 8% 11%

Shareholding Pattern

Numbers in percentages

2 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
83.49% 83.49% 83.49% 83.49% 83.49% 83.49% 83.49% 83.49% 83.49% 76.99% 76.99% 74.76%
1.67% 1.49% 1.19% 1.18% 1.13% 1.43% 1.62% 1.66% 1.46% 2.89% 3.97% 6.75%
6.84% 6.72% 7.02% 7.05% 6.90% 7.05% 8.39% 8.27% 7.88% 12.69% 12.28% 12.24%
7.99% 8.29% 8.30% 8.27% 8.47% 8.02% 6.49% 6.57% 7.17% 7.42% 6.76% 6.25%
No. of Shareholders 6,83,0426,90,8097,39,1437,61,8097,98,2147,81,5547,80,2087,83,5507,75,7738,65,2518,74,3099,14,940

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

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