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UNION BANK OF INDIA
Sector : Banks


BSE  29.35   0.35   (1.21%)   BSE Code : 532477   NSE Code : UNIONBANK

PREV. CLOSE
29.0
OPEN PRICE
29.1
CLOSE PRICE
29.35
VOLUME
749769
TODAY's LOW
29.1
TODAY's HIGH
30.0




Important Levels
Pivot Points - 29.48
Resistance 1 29.87
Resistance 2 30.38
Support 1 28.97
Support 2 28.58

Price History

Price History
Date Open High Low Close Gain / Loss % Volume
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
24/07/2020 30.4 30.75 30.25 30.5 1.67 257357
23/07/2020 30.8 31.2 30.5 30.8 2.67 287382
22/07/2020 31.15 31.35 30.65 30.8 -0.65 170830

Peer Comparison

Name   Current Price 5 Days Old 10 Days Old 15 Days Old 20 Days Old
AXIS BANK LTD. Price 434.85 425.8 479.05 418.0 447.3
Gain / Loss % 1.6 2.13 -9.23 4.03 -2.78
BANK OF BARODA Price 46.4 46.0 48.7 49.05 50.75
Gain / Loss % 0.87 0.87 -4.72 -5.4 -8.57
BANK OF INDIA Price 48.3 46.4 48.5 46.7 49.55
Gain / Loss % 0.62 4.09 -0.41 3.43 -2.52
BANK OF MAHARASHTRA Price 11.88 12.11 11.62 10.95 10.91
Gain / Loss % 8 -1.9 2.24 8.49 8.89
CANARA BANK Price 103.15 99.3 102.05 100.75 104.4
Gain / Loss % -0.82 3.88 1.08 2.38 -1.2
CENTRAL BANK OF INDIA Price 17.5 18.5 17.85 16.65 17.45
Gain / Loss % 2.94 -5.41 -1.96 5.11 0.29
CITY UNION BANK LTD. Price 116.2 122.75 124.35 124.85 130.85
Gain / Loss % -0.68 -5.34 -6.55 -6.93 -11.2
DEVELOPMENT CREDIT BANK LTD. Price 81.8 77.9 81.4 79.85 87.3
Gain / Loss % 2.25 5.01 0.49 2.44 -6.3
Dhanlaxmi Bank Limited Price 12.29 12.67 12.98 13.05 13.74
Gain / Loss % 2.42 -3 -5.32 -5.82 -10.55
FEDERAL BANK LTD. Price 52.35 54.15 56.65 51.1 55.9
Gain / Loss % 0.67 -3.32 -7.59 2.45 -6.35
HDFC BANK LTD. Price 1027.85 1050.45 1126.4 1059.2 1105.0
Gain / Loss % -1.26 -2.15 -8.75 -2.96 -6.98
ICICI BANK LTD. Price 352.2 345.05 381.1 345.6 375.7
Gain / Loss % 0.34 2.07 -7.58 1.91 -6.25
IDBI BANK LTD. Price 38.95 40.55 38.8 39.15 50.45
Gain / Loss % 2.5 -3.95 0.39 -0.51 -22.79
INDIAN BANK Price 58.15 58.25 61.05 61.0 65.1
Gain / Loss % 0.26 -0.17 -4.75 -4.67 -10.68
INDIAN OVERSEAS BANK Price 10.41 10.49 10.92 10.27 10.62
Gain / Loss % 4.1 -0.76 -4.67 1.36 -1.98
INDUSIND BANK LTD. Price 492.85 519.85 513.45 510.85 526.2
Gain / Loss % 0.17 -5.19 -4.01 -3.52 -6.34
JAMMU & KASHMIR BANK LTD. Price 16.05 15.95 16.7 17.3 18.25
Gain / Loss % 0.31 0.63 -3.89 -7.23 -12.05
KARNATAKA BANK LTD. Price 42.05 42.15 45.55 45.45 44.4
Gain / Loss % 0.12 -0.24 -7.68 -7.48 -5.29
KARUR VYSYA BANK LTD. Price 32.95 34.4 31.45 32.65 34.6
Gain / Loss % 2.97 -4.22 4.77 0.92 -4.77
KOTAK MAHINDRA BANK LTD. Price 1333.85 1388.05 1341.8 1298.35 1368.35
Gain / Loss % 0.82 -3.9 -0.59 2.73 -2.52
LAKSHMI VILAS BANK LTD. Price 19.15 20.7 20.4 22.6 23.75
Gain / Loss % 6.39 -7.49 -6.13 -15.27 -19.37
PUNJAB & SIND BANK Price 13.35 13.55 14.1 13.1 13.95
Gain / Loss % 2.69 -1.48 -5.32 1.91 -4.3
PUNJAB NATIONAL BANK Price 32.6 31.75 34.25 33.6 36.75
Gain / Loss % 1.87 2.68 -4.82 -2.98 -11.29
SOUTH INDIAN BANK LTD. Price 6.95 6.94 7.36 7.56 8.04
Gain / Loss % 15.83 0.14 -5.57 -8.07 -13.56
STATE BANK OF INDIA Price 191.5 186.55 192.0 186.1 188.55
Gain / Loss % 0.26 2.65 -0.26 2.9 1.56
UCO BANK Price 13.85 14.18 14.14 13.31 13.94
Gain / Loss % 6.54 -2.33 -2.05 4.06 -0.65
UNION BANK OF INDIA Price 29.35 29.25 30.8 30.4 32.1
Gain / Loss % 1.21 0.34 -4.71 -3.45 -8.57
YES BANK LTD. Price 12.83 11.95 18.25 20.95 25.75
Gain / Loss % 6.92 7.36 -29.7 -38.76 -50.17

Technical Indicators

Simple Moving Average
5 Days 29.14
10 Days 29.7
15 Days 29.97
25 Days 30.86
30 Days 31.13
Exponential Moving Average
5 Days 29.3
10 Days 29.65
12 Days 29.78
20 Days 30.07

MACD
12 Day EMA 29.78
26 Day EMA 30.1
MACD -0.32
Signal Line -0.04
Other Technical Indicators
Non - Smoothed RSI 79.73
Smoothed RSI 78.57
ROC -1.84
William %R -75.76
Upper Bollinger Band 32.88
Lower Bollinger Band 28.18
Middle Bollinger Band 30.53

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-18 Mar-17 Mar-16 Mar-15 Mar-14
Liabilities
Share Capital 1168.57 1228.44 687.44 635.78 741.31
Reserves & Surplus 23928.2 22747.76 19622.53 17700.4 17734.05
Net Worth 25096.77 23976.2 22891.21 19760.88 18475.36
Secured Loans 45680.77 41225.87 30957.35 35359.98 29316.62
Unsecured Loans 408501.64 378391.58 342720.01 316869.92 297675.64
TOTAL LIABILITIES 479279.17 443593.65 396568.57 371990.78 345467.62
Assets
Gross Block 3833.33 3894.41 3928.09 2677.82 2607.62
(-) Acc. Depreciation 0 0 0 0 0
Net Block 3833.33 3894.41 1346.85 1253.11 2607.62
Capital Work in Progress. 0 0 11.78 4.14 0.85
Investments 123780.12 112148.96 89208.35 94092.98 93723.18
Inventories 0 0 0 0 0
Sundry Debtors 0 0 0 0 0
Cash And Bank 49441.19 32822.5 29276.22 22378.02 23072.87
Loans And Advances 310351.34 303838.56 282271.46 262462.97 234376.38
Total Current Assets 359792.54 336661.07 311547.68 284840.99 257449.25
Current Liabilities 8126.82 9110.79 8127.33 9625.15 8313.29
Provisions 0 0 0 0 0
Total Current Liabilities 8126.82 9110.79 8127.33 9625.15 8313.29
NET CURRENT ASSETS 351665.72 327550.27 303420.35 275215.84 249135.96
Misc. Expenses 0 0 0 0 0
TOTAL ASSETS 479279.17 443593.65 396568.57 371990.78 345467.62

Profit and Loss

(Rs. in Crores)

Particulars Mar-18 Mar-17 Mar-17 Mar-16 Mar-16
INCOME:
Sales Turnover 32748.00 32659.98 32659.98 32198.80 32198.80
Excise Duty 0.00 0.00 0.00 0.00 0.00
NET SALES 32748.00 32659.98 32659.98 32198.80 32198.80
Other Income 0.00 0.00 0.00 0.00 0.00
TOTAL INCOME 37737.87 37624.58 37624.58 35830.54 35830.54
EXPENDITURE:
Manufacturing Expenses 0.00 0.00 0.00 0.00 0.00
Material Consumed 0.00 0.00 0.00 0.00 0.00
Personal Expenses 3255.23 3434.20 3434.20 3699.29 3699.29
Selling Expenses 56.94 66.98 66.98 0.00 69.25
Administrative Expenses 3080.07 2700.62 2700.62 2358.81 2289.56
Expenses Capitalised 0.00 0.00 0.00 0.00 0.00
Provisions Made 12786.94 7082.87 7082.87 3877.24 3877.24
TOTAL EXPENDITURE 19179.19 13284.67 13284.67 9935.34 9935.34
Operating Profit 2912.42 2701.53 2701.53 2255.00 2255.00
EBITDA 31345.62 31422.77 31422.77 29772.43 29772.43
Depreciation 362.71 236.04 236.04 244.11 244.11
Other Write-offs 0.00 0.00 0.00 0.00 0.00
EBIT 30982.91 31186.73 31186.73 29528.32 29528.32
Interest 23443.34 23756.64 23756.64 23885.70 23885.70
EBT -5247.37 24103.87 347.22 1765.38 1765.38
Taxes 0.00 -207.99 -207.99 413.78 413.78
Profit and Loss for the Year -5247.37 24311.86 555.21 1351.60 1351.60
Non Recurring Items 0.00 0.00 0.00 0.00 0.00
Other Non Cash Adjustments 0.00 0.00 0.00 0.00 0.00
Other Adjustments 0.00 -23756.64 0.00 0.00 0.00
REPORTED PAT -5247.37 555.21 555.21 1351.60 1351.60
KEY ITEMS
Preference Dividend 0.00 0.00 0.00 0.00 0.00
Equity Dividend 0.00 0.00 0.00 106.60 106.60
Equity Dividend (%) 0.00 0.00 0.00 15.50 15.50
Shares in Issue (Lakhs) 11685.73 6874.41 6874.41 6874.41 6874.41
EPS - Annualised (Rs) -44.90 8.08 8.08 19.66 19.66

Quarterly

(Rs. in Crores)

Particulars 2019-12 2019-09 2019-06 2019-03 2018-12
INCOME:
Net Sales Turnover 9630.72 9413.37 8897.62 8349.5 8477.53
Other Income 1110.49 1143.2 989.52 1271.51 1095.05
TOTAL INCOME 10741.21 10556.57 9887.14 9621.01 9572.58
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 865.64 758.26 721.17 981.07 804.18
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 978 1050.17 900.13 1161.74 1034.67
Provisions Made 1818.99 3858.75 1519.34 5766.15 1617.12
TOTAL EXPENSES 3662.63 5667.18 3140.64 7908.96 3455.97
Operating Profit 5968.09 3746.19 5756.98 440.54 5021.56
EBITDA 7078.58 4889.39 6746.5 1712.05 6116.61
Depreciation 0 0 0 0 0
EBIT 8897.57 8748.14 8265.84 7478.2 7733.73
Interest 6496.13 6507.51 6379.43 5748 5983.36
EBT 2401.44 2240.63 1886.41 1730.2 1750.37
Taxes 7.87 -424.51 142.64 -666.72 -19.96
Profit and Loss for the Year 2393.57 2665.14 1743.77 2396.92 1770.33
Extraordinary Items 0 0 0 0 0
Prior Year Adjustment 0 0 0 0 0
Other Adjustments -1818.99 -3858.75 -1519.34 -5766.15 -1617.12
REPORTED PAT 574.58 -1193.61 224.43 -3369.23 153.21
KEY ITEMS:
Reserves Written Back 0 0 0 0 0
Equity capital 3422.82 1763.02 1763.02 1763.02 1168.57
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 86.75 74.27 74.27 74.27 67.43
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-18 Mar-17 Mar-17 Mar-16 Mar-16
Key Stats
Earnings Per Share -44.9 8.08 8.08 19.66 19.66
Profitability Ratios
Operating Profit Margin(%) 8.89 8.27 8.27 7 7
Profit Before Interest And Tax Margin(%) 94.61 95.49 95.49 91.71 91.71
Net Profit Margin(%) -16.02 1.7 1.7 4.2 4.2
Return On Capital Employed(%) -1.11 5.6 0.14 0.37 0.4
Return On Net Worth(%) -20.91 2.32 2.43 6.84 7.32
Return on Assets(%) -1.09 0.13 0.14 0.36 0.39
Tax Rate(%) -0 -0.86 -59.9 23.44 23.44
Liquidity And Solvency Ratios
Current Ratio 44.27 36.95 38.33 29.59 30.97
Quick Ratio 44.27 36.95 38.33 29.59 30.97
Debt Equity Ratio 18.1 17.5 16.32 17.82 17.7
Liquidity And Solvency Ratios
Interest Coverage Ratio 1.32 1.31 1.31 1.24 1.24
Management Efficiency Ratios
Inventory Turnover Ratio ? ? ? ? ?
Total Assets Turnover Ratio 0.07 0.07 0.08 0.09 0.09
Margin Ratios
Core EBITDA Margin(%) 83.06 83.52 83.52 83.09 83.09
EBIT Margin(%) 82.1 82.89 82.89 82.41 82.41
PAT Margin(%) -16.02 1.7 1.7 4.2 4.2

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.