Buy stocks of Union Bank of India for mid term



They have published a stock research note with "buy stocks" recommendation on Union Bank Of India with Target Price of Rs.350

The reasons behind this stock tip are:

=> 4QFY10 earnings are better than street expectation.
=> Higher than expected non – interest income helped the bank to beat expectations.
=> Sequentially, net interest income grew by a healthy 31% and non interest income increased by 6%.
=> Net interest margin expended by 68bps and loan book grew at 14% quarter on quarter.
=> Gross non performing loans (GNPL) increased by 28% and NNPL (net non performing loans) grew 57% quarter on quarter.
=> Asset quality pressure may persist some more time.
=> For FY11, loan growth is expected at 20% and net interest income may grow at 22% with 2.6% NIM

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At the target price, Union Bank stock value stands at 1.8 multiple of FY11 expected adjusted book value and adjusted ROE of 19.6%.