Nifty
Sensex
:
:
23850.90
78782.24
-453.45 (-1.87%)
-606.82 (-0.76%)

Bank - Public

Rating :
N/A

BSE: 532477 | NSE: UNIONBANK

135.73
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  135.50
  •  137.20
  •  135.20
  •  135.93
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  9751722
  •  13258.04
  •  172.50
  •  102.70

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 88,473.49
  • 5.77
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 62,546.21
  • 3.11%
  • 0.87

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 74.76%
  • 0.32%
  • 6.46%
  • FII
  • DII
  • Others
  • 6.89%
  • 10.84%
  • 0.73%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -
  • -
  • -

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 22.88
  • -
  • 38.07

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 0.63
  • 0.76

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 5.95
  • 5.97
  • 6.60

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 0.58
  • 0.63
  • 0.76

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 3.60
  • 2.99
  • 2.36

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Interest Earned
26,886.58
24,731.59
8.71%
26,526.92
23,613.18
12.34%
26,509.87
22,163.00
19.61%
25,520.92
20,966.05
21.72%
Interest Exp.
17,719.94
15,498.18
14.34%
17,003.97
14,664.19
15.96%
16,965.82
13,810.05
22.85%
16,235.51
12,241.68
32.62%
Net Interest Income
9,166.64
9,233.41
-0.72%
9,522.95
8,948.99
6.41%
9,544.05
8,352.95
14.26%
9,285.41
8,724.37
6.43%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
5,925.54
4,220.91
40.39%
4,798.55
4,209.11
14.00%
5,101.71
5,600.51
-8.91%
4,281.06
3,669.39
16.67%
Total Income
32,812.12
28,952.50
13.33%
31,325.47
27,822.29
12.59%
31,611.58
27,763.51
13.86%
29,801.98
24,635.44
20.97%
Operating Exp.
6,947.26
6,189.28
12.25%
6,510.25
5,973.06
8.99%
8,111.91
7,084.68
14.50%
6,231.58
5,746.33
8.44%
Operating Profit
8,144.92
7,265.04
12.11%
7,811.25
7,185.04
8.72%
6,533.85
6,868.78
-4.88%
7,334.89
6,647.43
10.34%
Provision
1,739.03
1,772.77
-1.90%
2,856.76
2,004.62
42.51%
1,252.65
2,956.50
-57.63%
1,780.56
3,071.04
-42.02%
PBT
6,405.89
5,492.27
16.63%
4,954.49
5,180.42
-4.36%
5,281.20
3,912.28
34.99%
5,554.33
3,576.39
55.31%
PBTM
23.83
22.21
7.29%
18.68
21.94
-14.86%
19.92
17.65
12.86%
21.76
17.06
27.55%
TAX
1,684.06
1,944.02
-13.37%
1,353.54
1,939.98
-30.23%
1,971.35
1,113.69
77.01%
1,943.93
1,340.17
45.05%
PAT
4,721.83
3,548.25
33.07%
3,600.95
3,240.44
11.13%
3,309.85
2,798.59
18.27%
3,610.40
2,236.22
61.45%
PATM
17.56%
14.35%
13.57%
13.72%
12.49%
12.63%
14.15%
10.67%
EPS
6.19
4.65
33.12%
4.72
4.24
11.32%
4.34
3.67
18.26%
4.73
2.93
61.43%
Gross NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Gross NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Net NPA%
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Interest Income
37,519.05
37,011.87
33,130.34
28,051.19
25,199.06
11,642.41
10,417.58
9,480.67
9,040.67
8,421.63
8,524.73
Interest Earned
1,05,444.29
1,00,375.57
81,163.18
68,229.66
69,311.46
37,479.22
34,313.67
32,951.57
32,816.98
32,315.67
32,164.28
Interest Expended
67,925.24
63,363.70
48,032.84
40,178.47
44,112.40
25,836.81
23,896.09
23,470.90
23,776.31
23,894.04
23,639.55
Int. income Growth
6.41%
11.72%
18.11%
11.32%
116.44%
11.76%
9.88%
4.87%
7.35%
-1.21%
 
Other Income
20,106.86
17,812.79
15,915.35
13,524.41
14,306.72
5,789.27
5,041.71
5,462.08
5,429.99
3,934.44
3,957.12
Total Income
1,25,551.15
54,824.66
49,045.69
41,575.60
39,505.78
17,431.68
15,459.29
14,942.75
14,470.66
12,356.07
12,481.85
Total Expenditure
27,801.00
32,420.50
36,154.58
32,264.45
36,270.45
21,165.70
19,018.62
21,181.09
13,871.08
10,349.12
9,497.53
Employee Cost
-
14,593.23
12,524.00
10,263.67
9,491.02
3,463.85
3,237.23
3,232.17
3,509.40
3,768.05
3,844.63
% Of Sales
-
14.54%
15.43%
15.04%
13.69%
9.24%
9.43%
9.81%
10.69%
11.66%
11.95%
Opt. & Establishment Exp.
-
12,808.53
11,707.88
10,183.75
11,168.65
5,141.23
4,992.76
4,386.88
3,752.71
3,196.85
3,063.76
% Of Sales
-
12.76%
14.43%
14.93%
16.11%
13.72%
14.55%
13.31%
11.44%
9.89%
9.53%
Provisions
-
6,810.60
13,411.84
13,306.65
17,427.08
13,395.02
11,536.27
14,298.50
7,090.61
3,882.18
3,039.38
% Of Sales
-
6.79%
16.52%
19.50%
25.14%
35.74%
33.62%
43.39%
21.61%
12.01%
9.45%
EBITDA
29,824.91
22,404.16
12,891.11
9,311.15
3,235.33
-3,734.02
-3,559.33
-6,238.34
599.58
2,006.95
2,984.32
EBITDA Margin
73.63%
60.53%
38.91%
33.19%
12.84%
-32.07%
-34.17%
-65.80%
6.63%
23.83%
35.01%
Depreciation
0.00
895.93
744.57
744.81
908.15
417.20
373.82
368.23
240.82
248.98
225.12
PBT
22,195.91
21,508.23
12,146.54
8,566.34
2,327.18
-4,151.22
-3,933.16
-6,606.57
358.76
1,757.96
2,759.20
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provision for Tax
6,952.88
7,799.28
3,716.20
3,357.84
-500.84
-1,110.39
-999.75
-1,385.93
-207.99
415.07
1,001.74
Tax Rate
31.33%
36.26%
30.59%
39.20%
-21.52%
26.75%
25.42%
20.98%
-57.97%
23.61%
36.31%
PAT
15,243.03
13,708.95
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
1,351.92
1,747.10
PAT before Minority Interest
15,243.03
13,708.95
8,430.34
5,208.50
2,828.02
-3,040.83
-2,933.41
-5,220.64
566.75
1,342.89
1,757.46
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9.03
-10.36
PAT Margin
26.45%
25.01%
17.19%
12.53%
7.16%
-17.44%
-18.98%
-34.94%
3.92%
10.94%
14.00%
PAT Growth
28.92%
62.61%
61.86%
84.17%
0
0
0
-1021.15%
-58.08%
-22.62%
 
EPS
19.97
17.96
11.04
6.82
3.70
-3.98
-3.84
-6.84
0.74
1.77
2.29

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
97,597.66
78,803.51
70,861.12
64,737.78
33,989.40
26,835.65
25,251.81
24,093.67
23,048.11
19,899.17
Share Capital
7,737.61
6,938.75
6,938.75
6,510.85
3,526.82
1,867.02
1,168.57
687.44
687.44
635.78
Total Reserves
89,860.05
71,864.76
63,922.37
58,226.93
30,462.58
24,968.63
24,083.24
22,865.23
22,360.67
19,263.39
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
8.81
Deposits
12,24,593.36
11,20,321.92
10,34,367.75
9,25,653.93
4,52,436.15
4,17,504.81
4,10,288.43
3,77,194.70
3,44,117.51
3,17,450.34
Borrowings
26,974.27
42,736.59
51,245.20
51,922.23
52,714.06
43,275.60
45,680.39
41,225.50
30,636.61
35,168.00
Other Liabilities & Provisions
52,830.63
46,495.08
37,291.53
40,063.46
16,369.45
10,964.48
9,899.87
13,167.35
9,562.33
11,042.64
Total Liabilities
14,01,995.92
12,88,357.10
11,93,765.60
10,82,377.40
5,55,509.06
4,98,580.54
4,91,120.50
4,55,681.22
4,07,364.56
3,83,568.96
Net Block
9,223.91
8,825.81
7,171.30
7,303.09
4,721.19
3,730.28
3,811.97
3,883.92
3,939.33
2,690.14
Gross Block
19,621.63
18,681.33
16,518.39
16,001.87
8,441.75
7,063.11
6,803.64
6,561.23
5,628.54
4,793.51
Accumulated Depreciation
10,397.72
9,855.52
9,347.09
8,698.78
3,720.56
3,332.83
2,991.68
2,677.31
1,689.21
2,103.37
Total Non-Current Assets
13,46,938.24
12,29,450.48
11,42,161.22
10,24,508.34
5,31,953.21
4,74,108.84
4,69,382.72
4,38,202.42
3,92,391.44
3,67,036.71
Lease Adjustment A/c
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Capital Work in Progress
35.89
22.16
37.01
63.33
54.31
44.17
34.08
21.49
12.53
4.29
Cash and balance with RBI
52,901.54
50,258.11
46,115.89
37,885.71
20,118.92
20,800.40
21,017.35
16,522.37
15,606.92
15,063.87
Balance with banks and money at call
66,744.30
62,340.76
73,642.33
46,877.62
35,129.87
22,362.68
28,463.01
16,383.55
14,009.89
7,539.14
Investments
3,43,952.86
3,43,726.96
3,51,839.04
3,39,058.51
1,54,251.49
1,28,391.21
1,25,484.80
1,13,441.26
90,573.21
85,818.15
Advances
8,74,079.74
7,64,276.68
6,63,355.65
5,93,320.08
3,17,677.43
2,98,780.10
2,90,571.51
2,87,949.83
2,68,249.56
2,55,921.12
Other Assets
55,057.66
58,906.63
51,604.39
57,869.05
23,555.84
24,471.69
21,737.78
17,478.79
14,973.13
16,532.24
Total Assets
14,01,995.90
12,88,357.11
11,93,765.61
10,82,377.39
5,55,509.05
4,98,580.53
4,91,120.50
4,55,681.21
4,07,364.57
3,83,568.95
Contingent Liabilities
5,83,383.05
6,08,099.28
6,51,146.83
3,71,781.47
1,89,112.94
1,99,232.26
2,66,829.14
2,31,886.43
3,97,437.14
3,49,105.33
Bills for collection
50,252.86
43,566.72
66,089.41
34,694.81
21,682.69
19,441.23
18,427.09
16,119.40
15,030.34
13,700.54
Adjusted Book Value
120.32
106.17
96.57
93.24
89.72
138.95
196.05
306.88
297.73
290.58

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
19,929.69
6,055.84
36,338.87
20,527.34
-7,681.27
-7,778.40
6,097.42
-6,624.50
8,076.80
-3,567.48
PBT
21,508.22
12,146.47
8,566.34
2,326.77
-4,231.28
-3,922.10
-6,598.40
364.65
1,771.52
2,757.46
Adjustment
7,700.93
15,015.20
16,287.89
19,538.98
14,906.05
12,868.03
15,949.78
8,220.40
4,909.70
3,528.04
Adjustments for Liabilities & Assets
-6,259.46
-17,828.31
12,028.52
-2,720.27
-19,674.94
-15,792.45
-697.58
-13,669.00
2,184.84
-9,262.75
Refund/(Payment) of direct taxes
-3,020.00
-3,277.52
-543.88
-228.64
1,318.90
-931.88
-2,556.38
-1,540.55
-789.26
-590.23
Other Direct Payments
0.00
0.00
0.00
1,610.50
0.00
0.00
0.00
0.00
0.00
0.00
Cash From Investing Activity
-1,393.77
-2,561.05
-557.71
-601.09
-377.21
-297.11
-314.92
-280.18
-871.79
-317.99
Net Fixed Assets
-966.57
-2134.83
-525.81
-7513.36
-1382.36
-264.68
-250.36
-260.54
-1518.25
-292.64
Other Investment Activity
-22137.89
-19167.98
-17076.53
-16326.84
-8733.38
-7368.83
-7069.41
-7410.66
-6596.32
-5123.07
Cash from Financing Activity
-11,488.94
-10,654.15
-786.28
-18,860.66
20,144.20
1,758.23
10,791.94
10,193.79
-191.21
3,167.84
Closing Cash & Equivalent
1,19,645.84
1,12,598.86
1,19,758.22
84,763.34
55,248.80
43,163.08
49,480.36
32,905.92
29,616.81
22,603.01
Net Cash Inflow / Outflow
7,046.98
-7,159.36
34,994.88
1,065.59
12,085.72
-6,317.28
16,574.44
3,289.11
7,013.80
-717.63
Opening Cash & Equivalents
1,12,598.86
1,19,758.22
84,763.34
55,577.53
43,163.08
49,480.36
32,905.92
29,616.81
22,603.01
23,320.64

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value
120.32
106.17
96.57
93.24
89.73
138.95
196.05
306.88
297.73
290.58
NIM
2.77
2.71
2.47
2.48
2.21
2.21
2.04
2.08
2.17
2.34
Yield on Advances
11.48
10.62
10.29
11.68
11.80
11.48
11.34
11.40
12.05
12.57
Yield on Investments
7.16
6.55
6.73
7.48
7.88
7.62
8.12
9.64
9.38
9.46
Cost of Liabilities
5.06
4.13
3.70
4.51
5.11
5.19
5.15
5.68
6.38
6.70
Interest Spread
6.42
6.49
6.58
7.17
6.68
6.30
6.19
5.71
5.67
5.86
ROCE
21.33%
12.97%
9.44%
5.51%
-3.01%
-3.03%
-6.92%
3.58%
6.57%
9.26%
Cost Income Ratio
48.35
47.89
47.39
50.00
46.97
50.82
48.52
48.52
54.35
53.54
Core Cost Income Ratio
50.29
49.01
51.60
56.81
51.14
53.01
53.13
56.98
58.50
57.51
Operating Costs to Assets
1.89
1.82
1.65
1.82
1.47
1.58
1.48
1.54
1.65
1.74
Loans/Deposits
0.02
0.04
0.05
0.06
0.12
0.10
0.11
0.11
0.09
0.11
Cash/Deposits
0.04
0.04
0.04
0.04
0.04
0.05
0.05
0.04
0.05
0.05
Investment/Deposits
0.28
0.31
0.34
0.37
0.34
0.31
0.31
0.30
0.26
0.27
Inc Loan/Deposits
2.20%
3.81%
4.95%
5.61%
11.65%
10.37%
11.13%
10.93%
8.90%
11.08%
Credit Deposits
71.38%
68.22%
64.13%
64.10%
70.21%
71.56%
70.82%
76.34%
77.95%
80.62%
Interest Expended / Interest earned
63.13%
59.18%
58.89%
63.64%
68.94%
69.64%
71.23%
72.45%
73.94%
73.50%
Interest income / Total funds
7.16%
6.30%
5.72%
6.40%
6.75%
6.88%
6.71%
7.20%
7.93%
8.39%
Interest Expended / Total funds
4.52%
3.73%
3.37%
4.08%
4.65%
4.79%
4.78%
5.22%
5.87%
6.16%
CASA
33.49%
35.18%
36.48%
36.27%
35.47%
35.98%
33.95%
33.91%
32.24%
29.19%

News Update:


  • Union Bank of India’s Q2 consolidated net profit rises 33% to Rs 4,721.83 crore
    22nd Oct 2024, 12:30 PM

    Consolidated total bank of the company increased by 13.33% at Rs 32,812.12 crore for Q2FY25

    Read More
  • Union Bank Of India - Quarterly Results
    21st Oct 2024, 20:03 PM

    Read More
  • RBI slaps penalty of Rs 1.06 crore on Union Bank of India
    13th Aug 2024, 11:08 AM

    The action is based on deficiencies in statutory and regulatory compliance

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.