Union Bank Of India

Market Capital
₹78,802 Cr.
P/E
7.73
Share Price
₹ 106.3 3.8 (3.71%)

Union Bank Of India

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₹ 106.3 3.8 (3.71%)
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Company Timeline

Company Timeline

Forensics
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
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 up
Cost to Income Ratio
Operational cost of company is trending down
Contingent Liabilities
Company has significant contigent liabilities which can be risky
Retail Holding
Retail has been buying the stock which is usually a sign of exuberance
Share price
Share price has decreased over last 10 years more due to derating
Current vs Historic Valuation
Company is trading at a premium to 3yr historic valuations
Promoter Holding
Promoter has not sold any shares in the last 90 days
Net NPA
NPA's of the company is currently under control
ROE
Latest
12.17%
3yr Average
8.9%
5yr Average
0.66%
Net Profit Margin
Latest
8.77%
3yr Average
6.21%
5yr Average
0.8%
Market Share
5.69% (as of Jun 23)
Bank Advances - Market Share
5.89% (as of Jun 23)
Bank Deposits - Market Share
0.34% (as of Aug 23)
Credit Card Transactions - Market Share
4.95% (as of Aug 23)
Debit Card Transactions - Market Share
0.46% (as of Aug 23)
Equity AUM - Market Share
2.88% (as of Jun 23)
Housing Loan - Market Share
0.65% (as of Aug 23)
Internet Banking - Market Share
5.46% (as of Aug 23)
Mobile Banking Transactions - Market Share
0.26% (as of Aug 23)
Mutual Fund - Market Share
4.46% (as of Jun 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 -Retail loans

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Loan Break-Up -Agriculture

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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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Asset Break-Up

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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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    • AUM - Mutual Funds (Crs)
      Source
    • % of AUM in equity fund (%)
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    • 5 Yr AUM CAGR - Mutual Funds (%)
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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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    • 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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    • 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 of Borrowing (%)
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    • Management Compensation as a % of Sales (%)
    Peer Comparison
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    Discussions & Analysis
    Banking Sector
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    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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