Union Bank Of India

Market Capital
₹49,388 Cr.
P/E
5.80
Share Price
₹ 72.75 0.45 (0.62%)

Union Bank Of India

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₹ 72.75 0.45 (0.62%)
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Company Timeline

Company Timeline

Forensics
Share price
Share price has decreased over last 10 years more due to derating
ROE
Net Profit Margin is responsible for ROE increase over last 10 years
Other Income
Other Income component is making ratios of the company look optically better
Pledge
Promoters have not pledged a significant portion of their holding
Current vs Historic Valuation
Company is trading at a premium to 3yr historic valuations
Net NPA
NPA's of the company is currently under control
Net Interest Margin
Net Interest margin of the company is trending up
Cost Of Borrowing
Cost Of Borrowing of the company seems to be trending down
Cost to Income Ratio
Operational cost of company is trending up
Contingent Liabilities
Company has significant contigent liabilities which can be risky
Promoter Holding
Promoter has not sold any shares in the last 90 days
Retail Holding
Retail has been buying the stock which is usually a sign of exuberance
ROE
Latest
8.28%
3yr Average
1.17%
5yr Average
-6.52%
Net Profit Margin
Latest
6.44%
3yr Average
0.88%
5yr Average
-3.67%
Market Share
5.92% (as of Mar 23)
Bank Advances - Market Share
6.19% (as of Mar 23)
Bank Deposits - Market Share
0.31% (as of Apr 23)
Credit Card Transactions - Market Share
4.96% (as of Apr 23)
Debit Card Transactions - Market Share
0.47% (as of Mar 23)
Equity AUM - Market Share
2.42% (as of Dec 22)
Housing Loan - Market Share
0.73% (as of Apr 23)
Internet Banking - Market Share
5.14% (as of Apr 23)
Mobile Banking Transactions - Market Share
0.24% (as of Mar 23)
Mutual Fund - Market Share
4.20% (as of Mar 23)
Net Interest Income(NII) - Market Share
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Revenue mix

Segment Break-Up

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Loan Break-Up -Priority Sector

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Loan Break-Up -Non Priority Sector

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Loan Break-Up

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Loan Break-Up -Industry

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Loan Break-Up -Personal loans

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Location Wise Break-Up

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Operating Profit Break-Up

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Borrowings Break-Up

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AUM Break-Up - Asset Management

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Priority vs Non-Priority Sector

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NPA Break-Up

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MSME Loan Break-Up -Industry

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Operational Metrics

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    • 5 Yr AUM CAGR - Mutual Funds (%)
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    • AUM - Mutual Funds (Crs)
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    • % of AUM in equity fund (%)
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    • CASA Ratio (%)
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    • CASA vs Liabilities (%)
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    • Credit Deposit Ratio (%)
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    • Fresh Slippages - Quarterly (Cr)
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    • Capital to Risks Assets Ratio (CRAR) (%)
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    • Tier I Capital (%)
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    • Tier 2 Capital (%)
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    • Cost To Income Ratio (%)
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    • Net Interest Margin (%)
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    • Yield On Advances (%)
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    • Gross NPA (%)
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    • Net NPA (%)
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    • Management Compensation as a % of Sales (%)
    Peer Comparison
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    Discussions & Analysis
    Banking Sector
    Basic Terminolgies in Banking - Alpha Invesco
    How Banks Make Money - Alpha Invesco
    Why Bank Valuations Are Different - FinShiksha
    Berkshire on Bank Valuations - BRK Annual Meeting
    Deep Dive Into Indian Banking - Ananth Narayan
    A Primer on AT1 and Tier 2 Bonds - Kirtan A Shah
    Banking Sector: Commonly Used Terms - Kirtan Shah
    What Is Co-Lending? - Sahil Sharma
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