U

United Bank of India(Merged)

UNITEDBNK NSE
This stock has been delisted or merged and is no longer actively traded.

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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29 extracted metrics + investor summaries across FY08–FY19.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

1
  • Stock is trading at 0.30 times its book value

Weaknesses

5
  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of -4.18% over past five years.
  • Company has a low return on equity of -14.0% over last 3 years.
  • Contingent liabilities of Rs.10,684 Cr.
  • Earnings include an other income of Rs.2,498 Cr.

Growth Rate

Revenue Growth
11.00% →
Net Income Growth
116.00% →
Cash Flow Change
-
ROE
-23.00% ↘
ROCE
-
EBITDA Margin (Avg.)
-

Quarterly Results

  Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Sales
2,272
2,352
2,073
2,076
2,005
2,188
2,155
2,123
2,068
2,213
2,374
2,440
2,411
Expenses
1,233
1,767
1,369
1,353
1,719
2,213
1,514
2,195
2,743
2,489
1,245
1,184
1,251
Operating Profit
1,039
585
704
723
286
-25
642
-71
-675
-276
1,129
1,255
1,160
OPM %
46%
25%
34%
35%
14%
-1.1%
30%
-3.4%
-33%
-12%
48%
51%
48%
Other Income
814
321
779
509
478
448
395
477
778
735
629
574
561
Interest
1,911
1,850
1,818
1,699
1,657
1,674
1,610
1,681
1,688
1,607
1,647
1,667
1,591
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
-58
-943
-335
-467
-893
-1,252
-574
-1,275
-1,585
-1,148
111
162
129
Tax %
-210%
-108%
-37%
-26%
-29%
-79%
-32%
-31%
-28%
-108%
5%
24%
12%
Net Profit
64
74
-211
-345
-638
-261
-389
-883
-1,139
95
105
124
114
EPS in Rs
0.48
0.53
-1.52
-2.21
-4.08
-0.87
-1.29
-2.91
-3.75
0.13
0.14
0.17
0.13
Figures in ₹ Crores

Profit & Loss

  Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019TTM
Sales
3,557
4,312
5,249
6,341
7,961
9,251
10,599
10,180
9,937
9,428
8,342
8,560
9,438
Expenses
1,142
1,400
1,441
2,038
2,294
3,202
5,257
3,537
4,356
4,925
6,534
8,814
6,170
Operating Profit
2,416
2,911
3,808
4,304
5,667
6,049
5,343
6,644
5,581
4,503
1,808
-254
3,269
OPM %
68%
68%
73%
68%
71%
65%
50%
65%
56%
48%
22%
-3%
35%
Other Income
466
549
559
638
733
1,067
1,207
1,747
1,468
2,187
2,215
2,385
2,498
Interest
2,653
3,150
3,858
4,172
5,482
6,764
8,036
7,690
7,656
7,500
6,849
6,585
6,512
Depreciation
49
64
99
100
70
61
69
106
103
104
120
126
0
PBT
179
246
411
669
849
291
-1,556
595
-711
-914
-2,947
-4,581
-746
Tax %
19%
25%
21%
22%
25%
-35%
-22%
57%
-60%
-124%
-51%
-49%
—
Net Profit
145
185
322
524
633
392
-1,213
256
-282
220
-1,454
-2,316
438
EPS in Rs
—
—
10.19
15.21
17.52
10.46
-21.88
3.05
-3.36
1.57
-4.85
-3.12
0.57
Div. Payout %
32%
0%
20%
14%
14%
20%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Sep 2019
Equity Capital
1,532
1,532
316
344
361
375
555
840
840
1,394
3,000
7,428
7,428
Reserves
1,129
1,295
3,036
3,877
4,419
4,709
3,928
4,989
5,480
6,349
5,675
4,071
6,059
Borrowings
48,133
55,243
69,646
83,056
94,836
1,06,394
1,16,770
1,12,879
1,19,314
1,29,491
1,32,632
1,37,187
1,36,305
Other Liabilities
3,517
3,961
4,006
2,763
2,394
3,137
3,852
4,320
3,799
3,818
3,441
2,844
2,796
Total Liabilities
54,311
62,031
77,005
90,041
1,02,010
1,14,615
1,25,105
1,23,028
1,29,432
1,41,053
1,44,749
1,51,530
1,52,587
Fixed Assets
622
623
650
817
792
821
924
873
1,209
1,178
1,286
1,234
1,192
CWIP
0
1
1
2
13
36
15
4
2
4
7
6
0
Investments
18,515
17,924
26,068
26,259
29,059
33,463
44,876
43,245
44,723
53,035
50,402
60,976
59,402
Other Assets
35,174
43,483
50,286
62,963
72,147
80,295
79,290
78,905
83,497
86,836
93,054
89,314
91,992
Total Assets
54,311
62,031
77,005
90,041
1,02,010
1,14,615
1,25,105
1,23,028
1,29,432
1,41,053
1,44,749
1,51,530
1,52,587
Figures in ₹ Crores

Cash Flow

  Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Operating
1,259
242
-362
688
-22
1,783
1,169
-4,803
2,428
4,123
4,659
-15,074
Investing
-86
-84
-142
-61
-56
-112
-151
-45
-90
-74
-235
-73
Financing
414
379
472
323
28
41
805
67
-43
642
2,794
4,576
Net Cash Flow
1,587
538
-32
950
-50
1,711
1,823
-4,781
2,295
4,690
7,218
-10,571
Free Cash Flow
1,173
159
-505
627
-78
1,671
1,018
-4,848
2,338
4,049
4,424
-15,147
CFO/OP
48
12
-6
20
4
33
23
-71
42
89
254
5,939
Figures in ₹ Crores

Ratios

  Mar 2008Mar 2009Mar 2010Mar 2011Mar 2012Mar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019
Debtor Days
0
0
0
0
0
0
0
0
0
0
0
0
Cash Conversion Cycle
0
0
0
0
0
0
0
0
0
0
0
0
Working Capital Days
-129
-20
-34
59
90
183
116
83
202
348
773
335
ROCE %
6%
6%
7%
6%
7%
7%
6%
7%
6%
5%
3%
1%

Shareholding Pattern

As of Dec 2019
Promoters 97.41%
Public 1.37%
DIIs 1.23%
Total 100.01%
  Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019
Promoters
85.23%
85.23%
86.81%
86.81%
93.13%
93.15%
92.25%
92.25%
96.83%
96.83%
96.83%
97.41%
FIIs
0.00%
0.01%
0.01%
0.16%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
DIIs
11.27%
9.60%
8.31%
7.89%
3.80%
3.78%
3.74%
3.73%
1.52%
1.53%
1.51%
1.23%
Public
3.50%
5.17%
4.87%
5.14%
3.06%
3.07%
4.00%
4.02%
1.65%
1.64%
1.65%
1.37%
No. of Shareholders
81,063
87,154
86,708
87,809
91,614
91,719
1,03,841
1,00,554
1,01,021
99,586
1,00,423
1,01,958

Documents

Frequently Asked Questions about United Bank of India(Merged)

What does United Bank of India(Merged) do?
United Bank of India is an India-based bank. The Banks operations are classified into two business segments: Treasury Operations, and Banking Operations, which include Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers retail banking, corporate banking and i...
Where is United Bank of India(Merged) (UNITEDBNK) listed?
United Bank of India(Merged) is listed on the Indian stock exchanges. It is listed on NSE: UNITEDBNK. You can view its live share price, financials, and ratios on Tapetide.
How can I research United Bank of India(Merged) on Tapetide?
On Tapetide, you can view United Bank of India(Merged)'s live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

United Bank of India is an India-based bank. The Banks operations are classified into two business segments: Treasury Operations, and Banking Operations, which include Corporate/Wholesale Banking, Retail Banking and Other Banking Operations. The Bank offers retail banking, corporate banking and international banking services.

Website unitedbankofindia.com
Listed 2010-03-18
Face Value ₹ 10

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