| Key Financial Ratios of United Bank of India (in Rs. Cr.) |
Mar 19 |
Mar 18 |
Mar 17 |
Mar 16 |
Mar 15 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
-7.04 |
-9.65 |
1.86 |
-3.36 |
3.78 |
|
| Diluted EPS (Rs.) |
-7.04 |
-9.65 |
1.86 |
-3.36 |
3.78 |
|
| Cash EPS (Rs.) |
-2.95 |
-4.45 |
2.32 |
-2.13 |
4.31 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
14.24 |
25.72 |
46.08 |
58.54 |
62.35 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
15.48 |
28.87 |
52.54 |
69.55 |
69.42 |
|
| Dividend/Share (Rs.) |
0.00 |
0.00 |
0.00 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
11.52 |
27.81 |
67.61 |
118.36 |
121.27 |
|
| Net Profit/Share (Rs.) |
-3.12 |
-4.85 |
1.57 |
-3.36 |
3.05 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
5,987,602.41 |
5,630,909.48 |
5,953,467.98 |
6,632,848.88 |
6,701,209.65 |
|
| Net Profit/ Employee (Rs.) |
-1,619,981.32 |
-981,805.18 |
138,612.15 |
-188,210.93 |
168,504.67 |
|
| Business/ Employee (Rs.) |
141,255,185.02 |
129,483,311.60 |
121,923,810.37 |
123,130,282.89 |
115,574,403.90 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
41,653,899.76 |
40,552,403.01 |
45,922,610.33 |
49,411,590.75 |
50,800,786.93 |
|
| Net Profit/ Branches (Rs.) |
-11,269,709.49 |
-7,070,715.61 |
1,069,197.27 |
-1,402,082.55 |
1,277,406.69 |
|
| Business/ Branches (Rs.) |
982,668,673.97 |
932,506,455.03 |
940,470,268.39 |
917,262,440.58 |
876,150,870.26 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
0.94 |
0.72 |
1.13 |
1.44 |
2.04 |
|
| CASA (%) |
51.44 |
48.44 |
47.33 |
41.91 |
42.04 |
|
| Net Profit Margin (%) |
-27.05 |
-17.43 |
2.32 |
-2.83 |
2.51 |
|
| Operating Profit Margin (%) |
-54.91 |
-43.98 |
-20.86 |
-17.60 |
-14.64 |
|
| Return on Assets (%) |
-1.52 |
-1.00 |
0.15 |
-0.21 |
0.20 |
|
| Return on Equity / Networth (%) |
-21.89 |
-18.85 |
3.41 |
-5.73 |
4.89 |
|
| Net Interest Margin (X) |
1.30 |
1.03 |
1.36 |
1.76 |
2.05 |
|
| Cost to Income (%) |
60.99 |
48.89 |
33.53 |
35.33 |
33.71 |
|
| Interest Income/Total Assets (%) |
5.64 |
5.76 |
6.68 |
7.67 |
8.27 |
|
| Non-Interest Income/Total Assets (%) |
1.57 |
1.52 |
1.55 |
1.13 |
1.41 |
|
| Operating Profit/Total Assets (%) |
-3.10 |
-2.53 |
-1.39 |
-1.35 |
-1.21 |
|
| Operating Expenses/Total Assets (%) |
1.94 |
1.85 |
1.81 |
1.49 |
1.50 |
|
| Interest Expenses/Total Assets (%) |
4.34 |
4.73 |
5.31 |
5.91 |
6.21 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
139,233.43 |
130,221.30 |
126,077.51 |
114,842.61 |
109,460.55 |
|
| EV Per Net Sales (X) |
16.27 |
15.61 |
13.37 |
11.56 |
10.75 |
|
| Price To Book Value (X) |
0.78 |
0.49 |
0.50 |
0.33 |
0.46 |
|
| Price To Sales (X) |
0.96 |
0.46 |
0.34 |
0.16 |
0.24 |
|
| Retention Ratios (%) |
100.00 |
100.00 |
100.00 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
-0.28 |
-0.38 |
0.07 |
-0.18 |
0.11 |
|
Source : Dion Global Solutions Limited
