| Key Financial Ratios of United Bank of India (in Rs. Cr.) |
Mar 14 |
Mar 13 |
Mar 12 |
Mar 11 |
|
| Per Share Ratios |
|
|
|
|
|
| Basic EPS (Rs.) |
-28.68 |
8.64 |
15.79 |
14.38 |
|
| Diluted EPS (Rs.) |
-28.68 |
8.64 |
15.79 |
14.38 |
|
| Cash EPS (Rs.) |
-20.63 |
12.08 |
19.45 |
18.13 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
69.83 |
119.01 |
114.65 |
103.46 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
80.81 |
135.67 |
132.40 |
122.57 |
|
| Dividend/Share (Rs.) |
0.00 |
2.10 |
2.40 |
2.20 |
|
| Operating Revenue / Share (Rs.) |
191.06 |
246.90 |
220.53 |
184.12 |
|
| Net Profit/Share (Rs.) |
-21.87 |
10.46 |
17.52 |
15.21 |
|
| Per Employee Ratios |
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
6,424,201.65 |
5,976,801.80 |
5,136,189.10 |
4,210,235.69 |
|
| Net Profit/ Employee (Rs.) |
-735,465.18 |
253,184.44 |
408,084.00 |
347,876.64 |
|
| Business/ Employee (Rs.) |
107,447,251.35 |
109,542,092.84 |
98,167,455.61 |
87,204,380.23 |
|
| Per Branch Ratios |
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
52,969,966.52 |
47,960,038.88 |
47,387,458.93 |
39,708,559.80 |
|
| Net Profit/ Branches (Rs.) |
-6,064,187.91 |
2,031,644.38 |
3,765,060.71 |
3,280,975.58 |
|
| Business/ Branches (Rs.) |
885,943,128.44 |
879,005,730.95 |
905,711,644.05 |
822,462,351.28 |
|
| Key Performance Ratios |
|
|
|
|
|
| ROCE (%) |
1.70 |
1.83 |
1.83 |
1.72 |
|
| CASA (%) |
36.97 |
39.64 |
40.76 |
40.78 |
|
| Net Profit Margin (%) |
-11.44 |
4.23 |
7.94 |
8.26 |
|
| Operating Profit Margin (%) |
-22.83 |
-7.29 |
-1.26 |
-1.78 |
|
| Return on Assets (%) |
-0.96 |
0.34 |
0.62 |
0.58 |
|
| Return on Equity / Networth (%) |
-31.32 |
8.78 |
15.28 |
14.70 |
|
| Net Interest Margin (X) |
2.04 |
2.17 |
2.43 |
2.40 |
|
| Cost to Income (%) |
42.20 |
30.64 |
29.67 |
32.70 |
|
| Interest Income/Total Assets (%) |
8.47 |
8.07 |
7.80 |
7.04 |
|
| Non-Interest Income/Total Assets (%) |
0.96 |
0.93 |
0.71 |
0.70 |
|
| Operating Profit/Total Assets (%) |
-1.93 |
-0.58 |
-0.09 |
-0.12 |
|
| Operating Expenses/Total Assets (%) |
1.36 |
1.31 |
1.35 |
1.44 |
|
| Interest Expenses/Total Assets (%) |
6.42 |
5.90 |
5.37 |
4.63 |
|
| Valuation Ratios |
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
112,233.76 |
104,660.98 |
92,358.30 |
80,774.37 |
|
| EV Per Net Sales (X) |
10.59 |
11.31 |
11.60 |
12.74 |
|
| Price To Book Value (X) |
0.45 |
0.47 |
0.63 |
1.03 |
|
| Price To Sales (X) |
0.16 |
0.23 |
0.33 |
0.58 |
|
| Retention Ratios (%) |
100.00 |
79.92 |
86.30 |
85.53 |
|
| Earnings Yield (X) |
-0.70 |
0.19 |
0.24 |
0.14 |
|
Source : Dion Global Solutions Limited
