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Financials-Union Bank Of India
Union Bank Of India
Sector: Banks - Nationalised
BSE:532477NSE:UNIONBANKBloomberg:UNBK@INReuters:UNBK.BO
Market Lot: 1Face Value: 10ISIN Demat: INE692A01016
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Financials (Standalone)
Income 
Statement
Balance Sheet Latest 
Quarterly/Halfyearly
Ratio Analysis
Latest Quarterly/Halfyearly
As on(Months) 31-Mar-14(3) 31-Mar-13(3) % Change
Interest Income 76707.00 66251.20 15.78
Other Income 7742.50 8754.70 -11.56
Total Income 84449.50 75005.90 12.59
Interest Expenses 56184.70 46456.40 20.94
Other Expenses 15067.10 11703.20 28.74
Provision & Contingencies 9205.20 6555.30 40.42
OPBDT 3992.50 10291.00 -61.20
Depreciation 0.00 0.00 --
Extra-Ordinary / Cash Adjustment 0.00 0.00 --
Provision for Tax -1797.10 2397.20 -174.97
After tax Profit 5789.60 7893.80 -26.66
Equity Capital 6303.10 5967.90 5.62
Reserves 162747.20 150926.30 7.83
Notes to Accounts   Click here  
Income Statement
31-Mar-10(12) 31-Mar-09(12) 31-Mar-08(12)
Profit/Loss A/C Rs. mn %OI Rs. mn %OI Rs. mn %OI
  Interest Income Earned 133026.79 87.07 118893.79 88.91 94473.02 89.68
    Commission, Exchange and Brokerage Income 3517.65 2.30 3132.74 2.34 3009.70 2.86
    Lease Income 0.00 0.00 0.00 0.00 0.00 0.00
    Dividend Income 0.00 0.00 0.00 0.00 0.00 0.00
    Miscellaneous Income 16229.75 10.62 11692.77 8.74 7859.98 7.46
  Other Income 19747.40 12.93 14825.51 11.09 10869.68 10.32
Total Income (OI) 152774.19 100.00 133719.30 100.00 105342.71 100.00
  Interest Expenditure 91102.67 59.63 80758.13 60.39 63609.48 60.38
  Employee Expenditure 13544.99 8.87 11518.82 8.61 8452.85 8.02
  Depreciation 1601.43 1.05 1365.81 1.02 1018.21 0.97
  Other Operating Expenditure 9932.06 6.50 9256.51 6.92 6458.80 6.13
  Provision and Contingencies 15843.86 10.37 13554.50 10.14 7199.38 6.83
Total Expenditure 132025.00 86.42 116453.77 87.09 86738.72 82.34
Pretax Income 20749.19 13.58 17265.53 12.91 18603.99 17.66
  Tax 0.00 0.00 0.00 0.00 4733.70 4.49
  Extra Ordinary and Prior Period Items Net 0 0.00 0 0.00 0 0.00
Net Profit 20749.19 13.58 17265.53 12.91 13870.29 13.17
Adjusted Net Profit 20749.19 13.58 17265.53 12.91 13870.29 13.17
Dividend - Preference 0.00 0.00 0.00 0.00 0.00 0.00
Dividend - Equity 2778.15 1.82 2525.59 1.89 2020.47 1.92

Balance Sheet
31-Mar-10
%BT 31-Mar-09
%BT 31-Mar-08
%BT
  Equity Capital 5051.18 0.26 5051.18 0.31 5051.18 0.41
  Preference Capital 0.00 0.00 0.00 0.00 0.00 0.00
Share Capital 5051.18 0.26 5051.18 0.31 5051.18 0.41
Reserves and Surplus 99186.63 5.08 82352.37 5.12 68425.82 5.52
Deposits 1700397.41 87.13 1387028.32 86.16 1038586.45 83.76
Borrowings 92153.06 4.72 87748.95 5.45 47604.92 3.84
Other Provisions and Liabilities 54830.14 2.81 47574.29 2.96 80250.47 6.47
Capital and Liabilities (BT) 1951618.43 100.00 1609755.11 100.00 1239918.84 100.00
Fixed Assets 23054.38 1.18 23351.60 1.45 22004.04 1.77
Investments 544035.27 27.88 429969.64 26.71 338226.31 27.28
Advances 1193152.99 61.14 965342.32 59.97 742669.08 59.90
Cash & Money at Call 157766.94 8.08 159849.30 9.93 100978.38 8.14
Other Current Assets 33608.85 1.72 31242.26 1.94 36041.03 2.91
Properties and Assets (BT) 1951618.43 100.00 1609755.11 100.00 1239918.84 100.00
Ratio Analysis
As on 31-Mar-10 31-Mar-09 31-Mar-08
Profitablility
Interest Income/Total Income (%) 87.10 88.90 87.50
Non Interest Income/Total Income (%) 12.90 11.10 12.50
Reported Net Profit/Total Income (%) 13.60 12.90 13.20
Net Interest Income/Total Income (%) 27.40 28.50 27.10
Net Interest Margin (%) 3.50 4.00 3.80
Return Related
ROE (%) 19.90 19.80 18.90
ROA (%) 1.10 1.10 1.10
Leverage & Capital Measures
Customer loans/deposits (%) 70.20 69.60 71.50
Investments/Deposits (%) 32.00 31.00 32.60
Total Liabilities/Networth 22.20 22.80 22.00
Growth (%)
Growth in Interest Income 11.89 29.03 24.82
Growth in Interest Expenses 12.81 26.96 38.52
Growth in Employee cost 17.59 36.27 --
Growth in PAT 20.18 24.48 64.07
Growth in Deposits 22.59 33.55 21.93
Growth in Borrowings 5.02 -- 12.93
Per Share
Book Value Per Share (Rs) 174.40 139.70 111.30
Earnings Per Share (Rs) 41.10 34.20 27.50
Dividend Per Share (Rs) 5.50 5.00 4.00
 
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