Financial Ratios

UNITED BANK OF INDIA - (AMALGAMATED)

NSE : NABSE : 533171ISIN CODE : INE695A01019Industry : Bank - PublicHouse : PSU
BSE4.480 (0 %)
PREV CLOSE ( ) 4.48
OPEN PRICE ( ) 4.50
BID PRICE (QTY) 0.00 (0)
OFFER PRICE (QTY) 0.00 (0)
VOLUME 36365
TODAY'S LOW / HIGH ( )4.45 4.70
52 WK LOW / HIGH ( ) 4.454.7
NSE
This Company is not listed in NSE
Select year
ParticularsMar2019Mar2018Mar2017Mar2016Mar2015
Operational & Financial Ratios
   Earnings Per Share (Rs)-3.12-4.851.57-3.363.05
   DPS(Rs)0.000.000.000.000.00
   Book NAV/Share(Rs)14.2425.7246.0858.5462.35
Margin Ratios
   Yield on Advances12.7813.3514.2514.6015.25
   Yield on Investments
   Cost of Liabilities4.805.165.796.426.81
   NIM1.441.121.461.882.15
   Interest Spread7.988.188.468.188.44
Performance Ratios
   ROA(%)-1.56-1.020.16-0.220.21
   ROE(%)-25.32-20.573.87-5.565.62
   ROCE(%)-33.64-24.17-5.55-2.5010.51
Efficiency Ratios
   Cost Income Ratio67.6272.3862.2679.3142.70
   Core Cost Income Ratio95.52118.5698.04101.6658.95
   Operating Costs to Assets1.951.851.822.301.47
Capitalisation Ratios
   Tier 1 ratio
   Tier 2 ratio
   CAR
Valuation Parameters
   PER(x)0.000.0014.670.009.36
   PCE(x)-3.75-2.859.97-8.926.63
   Price/Book(x)0.780.490.500.330.46
   Yield(%)0.000.000.000.000.00
   EV/Net Sales(x)1.220.850.610.450.63
   EV/Core EBITDA(x)7.386.943.725.822.66
   EV/EBIT(x)5.201.820.880.650.78
   EV/CE(x)0.070.050.040.030.05
   M Cap / Sales0.960.460.340.160.24
Growth Ratio
   Core Operating Income Growth32.27-22.56-15.47-8.44-2.82
   Operating Profit Growth
   Net Profit Growth-59.23-762.60177.85-210.14121.10
   BVPS Growth-44.64-44.19-21.29-6.10-10.72
   Advances Growth7.14-5.52-2.821.941.51
   EPS Growth(%)35.69-407.98146.87-210.14113.94
Liquidity Ratios
   Loans/Deposits(x)
   Cash / Deposits(x)0.050.050.050.050.05
   Investment / Deposits(x)0.450.390.420.380.40
   IncLoan / Deposits(x)1.632.562.012.503.73
   Credit/Deposits(%)
   Total Debt/Mcap(x)
   Net NPAs (funded) to Net Advances (%)8.6716.4910.029.046.22

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RISK DISCLOSURES ON DERIVATIVES

  • 9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
  • On an average, loss makers registered net trading loss close to ₹ 50,000.
  • Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
  • Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.