| Key Financial Ratios of Union Bank of India (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
23.56 |
18.95 |
12.34 |
7.73 |
4.54 |
|
| Diluted EPS (Rs.) |
23.56 |
18.95 |
12.34 |
7.73 |
4.54 |
|
| Cash EPS (Rs.) |
24.97 |
19.05 |
13.42 |
8.74 |
5.93 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
148.00 |
119.63 |
105.64 |
96.30 |
92.99 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
148.00 |
127.03 |
114.61 |
103.26 |
100.64 |
|
| Dividend/Share (Rs.) |
4.75 |
3.60 |
3.00 |
1.90 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
141.12 |
130.71 |
118.14 |
99.41 |
107.33 |
|
| Net Profit/Share (Rs.) |
23.56 |
17.88 |
12.34 |
7.66 |
4.54 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
14,577,262.91 |
13,151,867.46 |
10,681,183.51 |
9,034,979.69 |
8,793,551.94 |
|
| Net Profit/ Employee (Rs.) |
2,433,984.60 |
1,799,001.74 |
1,115,601.46 |
695,748.17 |
371,597.29 |
|
| Business/ Employee (Rs.) |
306,260,197.74 |
275,789,479.27 |
248,639,016.28 |
225,182,816.40 |
193,701,978.99 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
124,957,630.09 |
117,885,110.70 |
94,139,371.11 |
76,573,820.35 |
73,824,299.41 |
|
| Net Profit/ Branches (Rs.) |
20,864,338.48 |
16,125,125.95 |
9,832,432.90 |
5,896,648.03 |
3,119,661.94 |
|
| Business/ Branches (Rs.) |
2,625,290,408.65 |
2,472,004,328.21 |
2,191,397,667.83 |
1,908,483,373.83 |
1,626,181,659.80 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
2.14 |
2.09 |
2.05 |
1.89 |
1.85 |
|
| CASA (%) |
100.00 |
33.57 |
35.25 |
36.53 |
36.32 |
|
| Net Profit Margin (%) |
16.69 |
13.67 |
10.44 |
7.70 |
4.22 |
|
| Operating Profit Margin (%) |
31.54 |
25.92 |
17.79 |
12.97 |
8.06 |
|
| Return on Assets (%) |
1.19 |
0.98 |
0.65 |
0.44 |
0.27 |
|
| Return on Equity / Networth (%) |
15.92 |
14.94 |
11.68 |
7.94 |
4.87 |
|
| Net Interest Margin (X) |
2.48 |
2.62 |
2.55 |
2.33 |
2.30 |
|
| Cost to Income (%) |
45.48 |
46.41 |
46.27 |
45.73 |
46.53 |
|
| Interest Income/Total Assets (%) |
7.18 |
7.16 |
6.30 |
5.72 |
6.41 |
|
| Non-Interest Income/Total Assets (%) |
1.32 |
1.15 |
1.14 |
1.05 |
1.05 |
|
| Operating Profit/Total Assets (%) |
-0.12 |
-0.17 |
-0.48 |
-0.61 |
-0.78 |
|
| Operating Expenses/Total Assets (%) |
1.72 |
1.75 |
1.71 |
1.55 |
1.56 |
|
| Interest Expenses/Total Assets (%) |
4.70 |
4.54 |
3.74 |
3.38 |
4.11 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
1,343,923.93 |
1,312,716.92 |
1,156,043.75 |
1,063,943.79 |
959,577.29 |
|
| EV Per Net Sales (X) |
12.48 |
13.16 |
14.32 |
15.66 |
13.95 |
|
| Price To Book Value (X) |
0.85 |
1.28 |
0.63 |
0.40 |
0.37 |
|
| Price To Sales (X) |
0.89 |
1.17 |
0.56 |
0.39 |
0.32 |
|
| Retention Ratios (%) |
79.84 |
79.86 |
75.68 |
75.18 |
100.00 |
|
| Earnings Yield (X) |
0.19 |
0.12 |
0.19 |
0.20 |
0.13 |
|
Source : Dion Global Solutions Limited
