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Union Bank Of India
 
BSE Code 532477
ISIN Demat INE692A01016
Book Value 118.34
NSE Code UNIONBANK
Dividend Yield(%) 2.04
Market Cap(Million) 1123666.75
P/E(X) 8.56
EPS(Rs.) 17.19
Face Value(Rs.) 10  
Particulars Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019
Operational & Financial Ratios          
   Earnings Per Share (Rs)12.34  7.66  4.54  -8.47  -16.72  
   DPS(Rs)3.00  1.90  0.00  0.00  0.00  
   Book NAV/Share(Rs)105.64  96.30  92.99  89.43  137.56  
Margin Ratios          
   Yield on Advances10.60  10.28  11.64  11.82  11.47  
   Yield on Investments6.53  6.70  7.31  7.90  7.60  
   Cost of Liabilities4.13  3.71  4.52  5.13  5.20  
   NIM2.70  2.46  2.45  2.19  2.19  
   Interest Spread6.47  6.57  7.12  6.69  6.27  
Performance Ratios          
   ROA(%)0.68  0.46  0.36  -0.55  -0.60  
   ROE(%)12.22  8.34  6.44  -10.56  -12.54  
   ROCE(%)12.97  9.48  5.60  -2.90  -3.09  
Efficiency Ratios          
   Cost Income Ratio46.27  45.74  46.02  45.02  48.80  
   Core Cost Income Ratio47.35  49.82  51.79  49.34  50.78  
   Operating Costs to Assets1.71  1.55  1.56  1.36  1.45  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  0  0  0  0  
Valuation Parameters          
   PER(x)5.39  5.06  7.51  0.00  0.00  
   PCE(x)4.96  4.44  5.74  -3.96  -6.53  
   Price/Book(x)0.63  0.40  0.37  0.32  0.69  
   Yield(%)4.51  4.90  0.00  0.00  0.00  
   EV/Net Sales(x)1.10  1.14  1.07  1.67  1.75  
   EV/Core EBITDA(x)3.48  3.55  3.74  6.79  7.94  
   EV/EBIT(x)1.47  1.59  1.58  2.86  3.00  
   EV/CE(x)0.07  0.07  0.07  0.11  0.12  
   M Cap / Sales0.56  0.39  0.32  0.26  0.49  
Growth Ratio          
   Core Operating Income Growth17.92  12.55  115.87  11.96  9.78  
   Operating Profit Growth-13.50  24.24  -39.76  -7.36  7.67  
   Net Profit Growth61.18  80.05  200.28  1.69  43.83  
   BVPS Growth9.70  3.56  3.98  -34.99  -29.36  
   Advances Growth15.26  11.85  87.58  6.10  2.83  
   EPS Growth(%)61.18  68.77  153.58  49.36  62.77  
Liquidity Ratios          
   Loans/Deposits(x)0.04  0.05  0.06  0.12  0.10  
   Cash / Deposits(x)0.04  0.04  0.04  0.04  0.05  
   Investment / Deposits(x)0.30  0.34  0.36  0.34  0.30  
   IncLoan / Deposits(x)3.86  4.96  5.61  11.65  10.31  
   Credit/Deposits(%)68.16  64.03  63.97  69.91  71.39  
   Total Debt/Mcap(x)0  0  0  0  0  
   Net NPAs (funded) to Net Advances (%)1.70  3.68  4.62  5.49  6.85