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United Bank of India - (Amalgamated)
BSE Code
533171
ISIN Demat
INE695A01019
Book Value
14.03
NSE Code
NA
Dividend Yield(%)
0.00
Market Cap(Million)
40630.46
P/E(X)
9.28
EPS(Rs.)
0.48
Face Value(Rs.)
10
Particulars
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Operational & Financial Ratios
Earnings Per Share (Rs)
-3.12
-4.85
1.57
-3.36
3.05
DPS(Rs)
0.00
0.00
0.00
0.00
0.00
Book NAV/Share(Rs)
14.24
25.72
46.08
58.54
62.35
Margin Ratios
Yield on Advances
12.78
13.35
14.25
14.60
15.25
Yield on Investments
7.13
8.10
8.60
8.64
9.36
Cost of Liabilities
4.80
5.16
5.79
6.42
6.81
NIM
1.44
1.12
1.46
1.88
2.15
Interest Spread
7.98
8.18
8.46
8.18
8.44
Performance Ratios
ROA(%)
-1.56
-1.02
0.16
-0.22
0.21
ROE(%)
-25.32
-20.57
3.87
-5.56
5.62
ROCE(%)
-33.64
-24.17
-5.55
-2.50
10.51
Efficiency Ratios
Cost Income Ratio
67.62
72.38
62.26
79.31
42.70
Core Cost Income Ratio
95.52
118.56
98.04
101.66
58.95
Operating Costs to Assets
1.95
1.85
1.82
2.30
1.47
Capitalisation Ratios
Tier 1 ratio
0
0
0
0
0
Tier 2 ratio
0
0
0
0
0
CAR
0
0
0
0
0
Valuation Parameters
PER(x)
0.00
0.00
14.67
0.00
9.36
PCE(x)
-3.75
-2.85
9.97
-8.92
6.63
Price/Book(x)
0.78
0.49
0.50
0.33
0.46
Yield(%)
0.00
0.00
0.00
0.00
0.00
EV/Net Sales(x)
1.22
0.85
0.61
0.45
0.63
EV/Core EBITDA(x)
7.38
6.94
3.72
5.82
2.66
EV/EBIT(x)
5.20
1.82
0.88
0.65
0.78
EV/CE(x)
0.07
0.05
0.04
0.03
0.05
M Cap / Sales
0.96
0.46
0.34
0.16
0.24
Growth Ratio
Core Operating Income Growth
32.27
-22.56
-15.47
-8.44
-2.82
Operating Profit Growth
-13.99
-16.41
-0.57
-17.93
26.04
Net Profit Growth
-59.23
-762.60
177.85
-210.14
121.10
BVPS Growth
-44.64
-44.19
-21.29
-6.10
-10.72
Advances Growth
7.14
-5.52
-2.82
1.94
1.51
EPS Growth(%)
35.69
-407.98
146.87
-210.14
113.94
Liquidity Ratios
Loans/Deposits(x)
0.02
0.03
0.02
0.03
0.04
Cash / Deposits(x)
0.05
0.05
0.05
0.05
0.05
Investment / Deposits(x)
0.45
0.39
0.42
0.38
0.40
IncLoan / Deposits(x)
1.63
2.56
2.01
2.50
3.73
Credit/Deposits(%)
49.60
48.32
52.10
58.47
61.35
Total Debt/Mcap(x)
0
0
0
0
0
Net NPAs (funded) to Net Advances (%)
8.67
16.49
10.02
9.04
6.22