United Bank of India(Merged)

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

United Bank of India(Merged)

₹ 4.50 1.12%
20 Mar 2020
unitedbankofindia.com NSE: UNITEDBNK
About

United Bank of India is an India-based bank. The Banks operations are classified into two business segments: Treasury Operations, and Banking Operations, which include Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers retail banking, corporate banking and international banking services.

[ add key points ]
Website NSE
  • Market Cap ₹ 4,081 Cr.
  • Current Price ₹ 4.50
  • High / Low ₹ /
  • Stock P/E 9.33
  • Book Value ₹ 15.0
  • Dividend Yield 0.00 %
  • ROCE 1.38 %
  • ROE -23.0 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Stock is trading at 0.30 times its book value

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -4.18% over past five years.
  • Company has a low return on equity of -14.0% over last 3 years.
  • Contingent liabilities of Rs.10,684 Cr.
  • Earnings include an other income of Rs.2,498 Cr.

* 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

Edit Columns
Loading peers table ...

Quarterly Results

Figures in Rs. Crores

Dec 2016 Mar 2017 Jun 2017 Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019
2,272 2,352 2,073 2,076 2,005 2,188 2,155 2,123 2,068 2,213 2,374 2,440 2,411
1,233 1,767 1,369 1,353 1,719 2,213 1,514 2,195 2,743 2,489 1,245 1,184 1,251
Operating Profit 1,039 585 704 723 286 -25 642 -71 -675 -276 1,129 1,255 1,160
OPM % 46% 25% 34% 35% 14% -1.1% 30% -3.4% -33% -12% 48% 51% 48%
814 321 779 509 478 448 395 477 778 735 629 574 561
Interest 1,911 1,850 1,818 1,699 1,657 1,674 1,610 1,681 1,688 1,607 1,647 1,667 1,591
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -58 -943 -335 -467 -893 -1,252 -574 -1,275 -1,585 -1,148 111 162 129
Tax % -210% -108% -37% -26% -29% -79% -32% -31% -28% -108% 5% 24% 12%
64 74 -211 -345 -638 -261 -389 -883 -1,139 95 105 124 114
EPS in Rs 0.48 0.53 -1.52 -2.21 -4.08 -0.87 -1.29 -2.91 -3.75 0.13 0.14 0.17 0.13
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 TTM
3,557 4,312 5,249 6,341 7,961 9,251 10,599 10,180 9,937 9,428 8,342 8,560 9,438
1,142 1,400 1,441 2,038 2,294 3,202 5,257 3,537 4,356 4,925 6,534 8,814 6,170
Operating Profit 2,416 2,911 3,808 4,304 5,667 6,049 5,343 6,644 5,581 4,503 1,808 -254 3,269
OPM % 68% 68% 73% 68% 71% 65% 50% 65% 56% 48% 22% -3.0% 35%
466 549 559 638 733 1,067 1,207 1,747 1,468 2,187 2,215 2,385 2,498
Interest 2,653 3,150 3,858 4,172 5,482 6,764 8,036 7,690 7,656 7,500 6,849 6,585 6,512
Depreciation 49 64 99 100 70 61 69 106 103 104 120 126 0
Profit before tax 179 246 411 669 849 291 -1,556 595 -711 -914 -2,947 -4,581 -746
Tax % 19% 25% 21% 22% 25% -35% -22% 57% -60% -124% -51% -49%
145 185 322 524 633 392 -1,213 256 -282 220 -1,454 -2,316 438
EPS in Rs 10.19 15.21 17.52 10.46 -21.88 3.05 -3.36 1.57 -4.85 -3.12 0.57
Dividend Payout % 32% 0% 20% 14% 14% 20% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 7%
5 Years: -4%
3 Years: -5%
TTM: 11%
Compounded Profit Growth
10 Years: %
5 Years: -38%
3 Years: %
TTM: 116%
Stock Price CAGR
10 Years: -14%
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: -5%
5 Years: -10%
3 Years: -14%
Last Year: -23%

Balance Sheet

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Sep 2019
Equity Capital 1,532 1,532 316 344 361 375 555 840 840 1,394 3,000 7,428 7,428
Reserves 1,129 1,295 3,036 3,877 4,419 4,709 3,928 4,989 5,480 6,349 5,675 4,071 6,059
48,133 55,243 69,646 83,056 94,836 106,394 116,770 112,879 119,314 129,491 132,632 137,187 136,305
3,517 3,961 4,006 2,763 2,394 3,137 3,852 4,320 3,799 3,818 3,441 2,844 2,796
Total Liabilities 54,311 62,031 77,005 90,041 102,010 114,615 125,105 123,028 129,432 141,053 144,749 151,530 152,587
622 623 650 817 792 821 924 873 1,209 1,178 1,286 1,234 1,192
CWIP 0 1 1 2 13 36 15 4 2 4 7 6 0
Investments 18,515 17,924 26,068 26,259 29,059 33,463 44,876 43,245 44,723 53,035 50,402 60,976 59,402
35,174 43,483 50,286 62,963 72,147 80,295 79,290 78,905 83,497 86,836 93,054 89,314 91,992
Total Assets 54,311 62,031 77,005 90,041 102,010 114,615 125,105 123,028 129,432 141,053 144,749 151,530 152,587

Cash Flows

Figures in Rs. Crores

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
1,259 242 -362 688 -22 1,783 1,169 -4,803 2,428 4,123 4,659 -15,074
-86 -84 -142 -61 -56 -112 -151 -45 -90 -74 -235 -73
414 379 472 323 28 41 805 67 -43 642 2,794 4,576
Net Cash Flow 1,587 538 -32 950 -50 1,711 1,823 -4,781 2,295 4,690 7,218 -10,571
Free Cash Flow 1,173 159 -505 627 -78 1,671 1,018 -4,848 2,338 4,049 4,424 -15,147
CFO/EBITDA Share of operating profit converting into cash: CFO (before tax) / Operating Profit 48% 12% -6% 20% 4% 33% 23% -71% 42% 89% 254% 5,939%

Ratios

Mar 2008 Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days -152 -39 -54 42 74 169 101 65 182 329 773 335
ROCE % 6% 6% 7% 6% 7% 7% 6% 7% 6% 5% 3% 1%

Insights

In beta
Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Capital Adequacy Ratio (Basel III)
%

Log in to view insights

Please log in to see hidden values.

Login
Gross Advances
Rs crore
Number of Branches
count
Total Deposits
Rs crore
CASA Ratio
%
Credit to Deposit Ratio
%
Gross NPA Ratio
%
Net Interest Margin
% of Avg Total Assets

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
85.23% 85.23% 86.81% 86.81% 93.13% 93.15% 92.25% 92.25% 96.83% 96.83% 96.83% 97.41%
0.00% 0.01% 0.01% 0.16% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
11.27% 9.60% 8.31% 7.89% 3.80% 3.78% 3.74% 3.73% 1.52% 1.53% 1.51% 1.23%
3.50% 5.17% 4.87% 5.14% 3.06% 3.07% 4.00% 4.02% 1.65% 1.64% 1.65% 1.37%
No. of Shareholders 81,06387,15486,70887,80991,61491,7191,03,8411,00,5541,01,02199,5861,00,4231,01,958

* 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.

Documents

Announcements

Annual reports

DRHP

Credit ratings

Concalls

  • Apr 2018
    Transcript
    AI Summary
    PPT