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UNION BANK OF INDIA
Sector : Banks


BSE  30.85   0.85   (2.83%)   BSE Code : 532477   NSE Code : UNIONBANK

PREV. CLOSE
30.0
OPEN PRICE
31.9
CLOSE PRICE
30.85
VOLUME
728930
TODAY's LOW
30.65
TODAY's HIGH
31.9




Important Levels
Pivot Points - 31.13
Resistance 1 31.62
Resistance 2 32.38
Support 1 30.37
Support 2 29.88

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
12/08/2020 31.9 31.9 30.65 30.85 2.83 728930
11/08/2020 29.95 30.8 29.25 30.7 5.86 271294
10/08/2020 29.9 29.9 29.25 29.45 1.55 142046
05/08/2020 29.1 30.0 29.1 29.35 1.21 749769
04/08/2020 29.4 29.4 29.0 29.1 0.34 243106
03/08/2020 28.55 29.4 28.55 29.0 0 187090
31/07/2020 29.4 29.4 28.8 29.0 0 120920
30/07/2020 30.0 30.15 29.1 29.25 0.86 140770
29/07/2020 29.45 30.45 29.25 29.65 2.24 236221
27/07/2020 30.5 30.5 29.5 29.55 -1.5 401681

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 450.95 428.9 431.65 433.8 439.5
Gain / Loss % 0.66 5.14 4.47 3.95 2.61
BANK OF BARODA Price 48.6 46.55 46.7 48.65 51.55
Gain / Loss % 3.4 4.4 4.07 -0.1 -5.72
BANK OF INDIA Price 49.05 48.85 45.95 47.05 49.3
Gain / Loss % 2.19 0.41 6.75 4.25 -0.51
BANK OF MAHARASHTRA Price 12.14 11.93 11.72 10.74 11.57
Gain / Loss % 10.36 1.76 3.58 13.04 4.93
CANARA BANK Price 102.15 104.45 99.65 103.0 104.55
Gain / Loss % 1.14 -2.2 2.51 -0.83 -2.3
CENTRAL BANK OF INDIA Price 18.2 17.55 16.85 16.85 17.45
Gain / Loss % 1.11 3.7 8.01 8.01 4.3
CITY UNION BANK LTD. Price 117.95 117.0 122.55 123.95 132.2
Gain / Loss % -0.88 0.81 -3.75 -4.84 -10.78
DEVELOPMENT CREDIT BANK LTD. Price 83.15 80.65 78.45 81.55 83.1
Gain / Loss % 1.4 3.1 5.99 1.96 0.06
Dhanlaxmi Bank Limited Price 13.09 12.41 12.77 13.24 13.84
Gain / Loss % 19 5.48 2.51 -1.13 -5.42
FEDERAL BANK LTD. Price 54.0 52.3 56.0 53.65 54.2
Gain / Loss % 0 3.25 -3.57 0.65 -0.37
HDFC BANK LTD. Price 1063.75 1041.4 1079.05 1132.8 1105.35
Gain / Loss % -0.3 2.15 -1.42 -6.1 -3.76
ICICI BANK LTD. Price 366.8 351.05 358.5 362.85 360.35
Gain / Loss % -0.05 4.49 2.32 1.09 1.79
IDBI BANK LTD. Price 39.95 38.55 36.9 40.0 43.35
Gain / Loss % 2.44 3.63 8.27 -0.12 -7.84
INDIAN BANK Price 64.2 58.25 56.75 61.55 63.9
Gain / Loss % 0.31 10.21 13.13 4.31 0.47
INDIAN OVERSEAS BANK Price 10.65 10.32 10.37 10.5 10.76
Gain / Loss % 6.5 3.2 2.7 1.43 -1.02
INDUSIND BANK LTD. Price 520.5 492.6 506.4 528.5 539.15
Gain / Loss % -0.1 5.66 2.78 -1.51 -3.46
JAMMU & KASHMIR BANK LTD. Price 17.6 16.05 16.05 17.15 18.85
Gain / Loss % 3.53 9.66 9.66 2.62 -6.63
KARNATAKA BANK LTD. Price 42.7 42.05 43.1 45.4 47.1
Gain / Loss % 1.67 1.55 -0.93 -5.95 -9.34
KARUR VYSYA BANK LTD. Price 35.0 32.15 30.35 31.45 34.8
Gain / Loss % 0 8.86 15.32 11.29 0.57
KOTAK MAHINDRA BANK LTD. Price 1335.4 1323.95 1322.45 1318.6 1349.5
Gain / Loss % -2.1 0.86 0.98 1.27 -1.04
LAKSHMI VILAS BANK LTD. Price 21.0 18.85 19.4 21.35 22.35
Gain / Loss % 0 11.41 8.25 -1.64 -6.04
PUNJAB & SIND BANK Price 13.36 13.36 13.45 13.05 13.95
Gain / Loss % 2.77 0 -0.67 2.38 -4.23
PUNJAB NATIONAL BANK Price 33.8 32.6 32.35 34.5 35.05
Gain / Loss % 5.62 3.68 4.48 -2.03 -3.57
SOUTH INDIAN BANK LTD. Price 7.34 6.81 6.97 7.54 8.02
Gain / Loss % 4.86 7.78 5.31 -2.65 -8.48
STATE BANK OF INDIA Price 203.35 191.65 187.15 190.65 195.65
Gain / Loss % 4.28 6.1 8.66 6.66 3.94
UCO BANK Price 13.92 13.94 13.17 13.6 13.93
Gain / Loss % 7.08 -0.14 5.69 2.35 -0.07
UNION BANK OF INDIA Price 30.85 29.1 29.55 31.0 32.05
Gain / Loss % 2.83 6.01 4.4 -0.48 -3.74
YES BANK LTD. Price 16.35 12.22 12.3 19.45 25.5
Gain / Loss % 9 33.8 32.93 -15.94 -35.88

Technical Indicators

Simple Moving Average
5 Days 29.89
10 Days 29.59
15 Days 30.01
25 Days 30.63
30 Days 30.95
Exponential Moving Average
5 Days 30.15
10 Days 30
12 Days 30.03
20 Days 30.15

MACD
12 Day EMA 30.03
26 Day EMA 30.16
MACD -0.13
Signal Line -0.12
Other Technical Indicators
Non - Smoothed RSI 89.92
Smoothed RSI 86.79
ROC 0.16
William %R -31.34
Upper Bollinger Band 31.99
Lower Bollinger Band 28.44
Middle Bollinger Band 30.21

Technical Analysis
Over Bought by RSI? Yes
Over Sold by RSI? No
Over Bought by ROC? No
Over Sold by ROC? No
Over Bought by W%R? No
Over Sold by W%R? No

CandleStick Chart

Financials

Balance Sheet

(Rs. in Crores)

Particulars Mar-20 Mar-19 Mar-18 Mar-17 Mar-16
Liabilities
Share Capital 3422.82 1763.02 1168.57 1228.44 687.44
Reserves & Surplus 27188.68 22489.18 23928.2 22747.76 19622.53
Net Worth 33785.64 26487.01 25096.77 23976.2 22891.21
Secured Loans 52486.25 42863.82 45680.77 41225.87 30957.35
Unsecured Loans 450668.45 415915.27 408501.64 378391.58 342720.01
TOTAL LIABILITIES 536940.35 485266.1 479279.17 443593.65 396568.57
Assets
Gross Block 4709.12 3718.72 3833.33 3894.41 3928.09
(-) Acc. Depreciation 0 0 0 0 0
Net Block 4709.12 3718.72 3833.33 3894.41 1346.85
Capital Work in Progress. 53.39 43.57 0 0 11.78
Investments 152413.9 126046.64 123780.12 112148.96 89208.35
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 55106.22 43045.97 49441.19 32822.5 29276.22
Loans And Advances 338400.64 321183.93 310351.34 303838.56 282271.46
Total Current Assets 393506.85 364229.91 359792.54 336661.07 311547.68
Current Liabilities 13742.92 8772.74 8126.82 9110.79 8127.33
Provisions 0 0 0 0 0
Total Current Liabilities 13742.92 8772.74 8126.82 9110.79 8127.33
NET CURRENT ASSETS 379763.94 355457.17 351665.72 327550.27 303420.35
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 540114.5 487500.91 479279.17 443593.65 396568.57

Profit and Loss

(Rs. in Crores)

Particulars Mar-20 Mar-19 Mar-18 Mar-17 Mar-17
INCOME:
Sales Turnover 37231.12 34066.66 32748.00 32659.98 32659.98
Excise Duty .00 .00 0.00 0.00 0.00
NET SALES 37231.12 34066.66 32748.00 32659.98 32659.98
Other Income 5260.7868 4473.9467 0.00 0.00 0.00
TOTAL INCOME 42491.91 38540.61 37737.87 37624.58 37624.58
EXPENDITURE:
Manufacturing Expenses .00 .00 0.00 0.00 0.00
Material Consumed .00 .00 0.00 0.00 0.00
Personal Expenses 3358.62 3150.93 3255.23 3434.20 3434.20
Selling Expenses 58.68 47.65 56.94 66.98 66.98
Administrative Expenses 16896.61 15048.90 3080.07 2700.62 2700.62
Expenses Capitalised .00 .00 0.00 0.00 0.00
Provisions Made 13208.75 11447.89 12786.94 7082.87 7082.87
TOTAL EXPENDITURE 33522.66 29695.37 19179.19 13284.67 13284.67
Operating Profit -8877.16 -8032.57 2912.42 2701.53 2701.53
EBITDA 35386.75 31741.02 31345.62 31422.77 31422.77
Depreciation 411.26 368.04 362.71 236.04 236.04
Other Write-offs .00 .00 0.00 0.00 0.00
EBIT 34975.50 31372.98 30982.91 31186.73 31186.73
Interest 25794.37 23851.75 23443.34 23756.64 23756.64
EBT -4027.63 -3926.66 -5247.37 24103.87 347.22
Taxes -1129.85 -979.21 0.00 -207.99 -207.99
Profit and Loss for the Year -2897.78 -2947.45 -5247.37 24311.86 555.21
Non Recurring Items .00 .00 0.00 0.00 0.00
Other Non Cash Adjustments .00 .00 0.00 0.00 0.00
Other Adjustments .00 .00 0.00 -23756.64 0.00
REPORTED PAT -2897.78 -2947.45 -5247.37 555.21 555.21
KEY ITEMS
Preference Dividend .00 .00 0.00 0.00 0.00
Equity Dividend .00 .00 0.00 0.00 0.00
Equity Dividend (%) .00 .00 0.00 0.00 0.00
Shares in Issue (Lakhs) 34228.19 17630.16 11685.73 6874.41 6874.41
EPS - Annualised (Rs) -8.466062623 -16.71822604 -44.90 8.08 8.08

Quarterly

(Rs. in Crores)

Particulars 2020-09 2020-06 2020-03 2019-12 2019-09
INCOME:
Net Sales Turnover 17776.19 18428.8 9289.41 9630.72 9413.37
Other Income 2307.91 1462.46 2017.58 1110.49 1143.2
TOTAL INCOME 20084.1 19891.26 11306.99 10741.21 10556.57
EXPENDITURE:
Stock Adjustments 0 0 0 0 0
Raw Material Consumed 0 0 0 0 0
Power and Fuel 0 0 0 0 0
Employee Expenses 2079.14 2086.6 1013.55 865.64 758.26
Administration and Selling Expenses 0 0 0 0 0
Research and Development Expenses 0 0 0 0 0
Expenses Capitalised 0 0 0 0 0
Other Expenses 1786.92 1744.96 1229.5 978 1050.17
Provisions Made 4143.93 3555.77 3501.69 1818.99 3858.75
TOTAL EXPENSES 8009.99 7387.33 5744.74 3662.63 5667.18
Operating Profit 9766.2 11041.47 3544.67 5968.09 3746.19
EBITDA 12074.11 12503.93 5562.25 7078.58 4889.39
Depreciation 0 0 0 0 0
EBIT 16218.04 16059.7 9063.94 8897.57 8748.14
Interest 11483.31 12025.61 6411.3 6496.13 6507.51
EBT 4734.73 4034.09 2652.64 2401.44 2240.63
Taxes 74.18 145.58 -855.85 7.87 -424.51
Profit and Loss for the Year 4660.55 3888.51 3508.49 2393.57 2665.14
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -4143.93 -3555.77 -3501.69 -1818.99 -3858.75
REPORTED PAT 516.62 332.74 -2503.18 574.58 -1193.61
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 6406.84 6406.84 3422.82 3422.82 1763.02
Reserves and Surplus 0 0 0 0 0
Equity Dividend Rate 0 0 0 0 0
Agg. Non-Promoter Shares(lacks) 0 0 0 0 0
Agg. Non-Promoter Holding (%) 0 0 0 0 0
Government Share 89.07 89.07 86.75 86.75 74.27
Capital Adequacy Ratio 0 0 0 0 0
EPS (Rs.) 0 0 0 0 0

Key Ratios

Key Financial ratios of UNION BANK OF INDIA Mar-20 Mar-19 Mar-18 Mar-17 Mar-17
Key Stats
Earnings Per Share -8.47 -16.72 -44.9 8.08 8.08
Profitability Ratios
Operating Profit Margin(%) -23.84 -23.58 8.89 8.27 8.27
Profit Before Interest And Tax Margin(%) 93.94 92.09 94.61 95.49 95.49
Net Profit Margin(%) -7.78 -8.65 -16.02 1.7 1.7
Return On Capital Employed(%) -0.55 -0.62 -1.11 5.6 0.14
Return On Net Worth(%) -8.58 -11.13 -20.91 2.32 2.43
Return on Assets(%) -0.54 -0.6 -1.09 0.13 0.14
Tax Rate(%) 28.05 24.94 -0 -0.86 -59.9
Liquidity And Solvency Ratios
Current Ratio 28.63 41.52 44.27 36.95 38.33
Quick Ratio 28.63 41.52 44.27 36.95 38.33
Debt Equity Ratio 14.89 17.32 18.1 17.5 16.32
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.36 1.32 1.32 1.31 1.31
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.07 0.07 0.07 0.07 0.08
Margin Ratios
Core EBITDA Margin(%) 83.28 82.36 83.06 83.52 83.52
EBIT Margin(%) 82.31 81.4 82.1 82.89 82.89
PAT Margin(%) -7.78 -8.65 -16.02 1.7 1.7

DISCLAIMER
Copyright 2018 -- All Rights Reserved. Stock trading involves high risk. The predictions made herein do not constitute an offer to sell or solicitation to buy any of the securities mentioned. No representations shall be entertained that the predictions made herein will be profitable or otherwise. Readers using the information contained herein are solely responsible for their actions. The information is based on our personal assessment / judgement and we shall not be liable for any losses and damages.