United Bank of India(Merged)
UNITEDBNK NSE
This stock has been delisted or merged and is no longer actively traded.
United Bank of India(Merged)
DelistedNSE: UNITEDBNK
This stock has been delisted or merged and is no longer actively traded.
Tapetide Score
Data-driven rating, 0–100. How it works →
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% higher than
3Y
Net Income Growth
116%
Quarterly Results
| Particulars | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 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 |
Profit & Loss
| Particulars | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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% | — |
Balance Sheet
| Particulars | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Sep 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 |
Cash Flow
| Particulars | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 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 |
Ratios
| Particulars | Mar 2008 | Mar 2009 | Mar 2010 | Mar 2011 | Mar 2012 | Mar 2013 | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 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 | -152 | -39 | -54 | 42 | 74 | 169 | 101 | 65 | 182 | 329 | 773 | 335 |
| ROCE % | 6% | 6% | 7% | 6% | 7% | 7% | 6% | 7% | 6% | 5% | 3% | 1% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view United Bank of India(Merged) insights
29 extracted metrics + investor summaries across FY08–FY19.
Documents
1
Announcement under Regulation 30 (LODR)-Newspaper Publication
21 Mar 2020 - We submit herewith copies of newspaper publications w.r.t. amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Expert … 21 Mar 2020 - We submit herewith copies of newspaper publications w.r.t. amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Expert …
2
Announcement under Regulation 30 (LODR)-Newspaper Publication
21 Mar 2020 - Copies of newspaper publications w.r.t. amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Expert Committee/Grievance Redressal Committee … 21 Mar 2020 - Copies of newspaper publications w.r.t. amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Expert Committee/Grievance Redressal Committee …
5
Announcement under Regulation 30 (LODR)-Newspaper Publication
6 Mar 2020 - Amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Newspaper publication 6 Mar 2020 - Amalgamation of Oriental Bank of Commerce and United Bank of India into Punjab National Bank - Newspaper publication
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) trades as UNITEDBNK on the NSE.
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.
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