United Bank of India(Merged)
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.
- Market Cap ₹ 4,081 Cr.
- Current Price ₹ 4.50
- High / Low ₹ /
- Stock P/E 9.33
- Book Value ₹ 15.5
- Dividend Yield 0.00 %
- ROCE 1.38 %
- ROE -23.0 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.29 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
Sector: Banks Industry: Banks - Public Sector
Quarterly Results
Figures in Rs. Crores
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% | 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: | -21% |
5 Years: | -15% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 1,532 | 1,532 | 316 | 344 | 361 | 375 | 555 | 840 | 840 | 1,394 | 3,000 | 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 |
48,133 | 55,243 | 69,646 | 83,056 | 94,836 | 106,394 | 116,770 | 112,879 | 119,314 | 129,491 | 132,632 | 137,187 | |
3,517 | 3,961 | 4,006 | 2,763 | 2,394 | 3,137 | 3,852 | 4,320 | 3,799 | 3,818 | 3,441 | 2,844 | |
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 |
622 | 623 | 650 | 817 | 792 | 821 | 924 | 873 | 1,209 | 1,178 | 1,286 | 1,234 | |
CWIP | 0 | 1 | 1 | 2 | 13 | 36 | 15 | 4 | 2 | 4 | 7 | 6 |
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 |
35,174 | 43,483 | 50,286 | 62,963 | 72,147 | 80,295 | 79,290 | 78,905 | 83,497 | 86,836 | 93,054 | 89,314 | |
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 |
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 |
Ratios
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | -216 | -198 | -171 | -37 | -26 | -34 | -55 | 57 | 99 | 82 | 159 | 186 |
ROCE % | 6% | 6% | 7% | 6% | 7% | 7% | 6% | 7% | 6% | 5% | 3% | 1% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
21 Mar 2020 - Copies of newspaper publications w.r.t. amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Expert Committee/Grievance Redressal Committee …
- Amalgamation Of Oriental Bank Of Commerce And United Bank Of India Into Punjab National Bank 19 Mar 2020
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Announcement under Regulation 30 (LODR)-Newspaper Publication
6 Mar 2020 - Amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Newspaper publication
- Share Exchange Ratio Pursuant To Scheme Of Amalgamation Of Oriental Bank Of Commerce (OBC) And United Bank Of India (UBI) Into Punjab National Bank (PNB) Notified On 4Th March, 2020 And Intimation Of Record Date 5 Mar 2020
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
6 Feb 2020 - Bank has issued the enclosed Press Release on the occasion of the announcement of its Unaudited Financial Results for the quarter and nine months period …
Annual reports
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Financial Year 2019
from bse
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Financial Year 2018
from bse
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Financial Year 2017
from bse
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Financial Year 2016
from bse
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Financial Year 2015
from bse
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Financial Year 2014
from bse
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Financial Year 2013
from bse
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Financial Year 2013
from nse
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Financial Year 2012
from bse
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Financial Year 2011
from bse
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Financial Year 2010
from bse
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Financial Year 2010
from nse
Concalls
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Apr 2018TranscriptNotesPPT