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United Bank of India - (Amalgamated)
BSE Code 533171
ISIN Demat INE695A01019
Book Value (Rs) 14.03
NSE Code NA
Dividend Yield % 0.00
Market Cap(Rs Mn) 40630.46
TTM PE(x) 9.28
TTM EPS(Rs) 0.48
Face Value (Rs) 10  
Particulars Mar 2019Mar 2018Mar 2017Mar 2016Mar 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 Advances12.78  13.35  14.25  14.60  15.25  
   Yield on Investments7.13  8.10  8.60  8.64  9.36  
   Cost of Liabilities4.80  5.16  5.79  6.42  6.81  
   NIM1.44  1.12  1.46  1.88  2.15  
   Interest Spread7.98  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 Ratio67.62  72.38  62.26  79.31  42.70  
   Core Cost Income Ratio95.52  118.56  98.04  101.66  58.95  
   Operating Costs to Assets1.95  1.85  1.82  2.30  1.47  
Capitalisation Ratios          
   Tier 1 ratio0  0  0  0  0  
   Tier 2 ratio0  0  0  0  0  
   CAR0  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 / Sales0.96  0.46  0.34  0.16  0.24  
Growth Ratio          
   Core Operating Income Growth32.27  -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 Growth7.14  -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