Earnings Ratios

Return on Assets (%) 1. 36% 1. 71% 2. 24% 1. 59% 1. 38% 1. 48% 1. 60%

Return on Deposits (%) 1. 61% 2. 06% 2. 83% 2. 10% 1. 72% 1. 88% 15. 50%

Return on Equity (%) 21. 32% 27. 46% 31. 71% 19. 81% 19. 00% 14. 09% 1. 04%

Assets Quality Ratios

NPL to Advances 13. 95% 8. 28% 6. 57% 7. 35% 7. 50% 10. 80% 12. 90%

Provisions to NPLs 2. 17% 7. 53% 12. 14% 24. 96% 16. 20% 24. 67% 9. 81%

Non Performing Loans (Rs. in bn) 20. 103 16. 960 16. 255 22. 012 27. 839 39. 101 49,000,000,000

NPLs Growth 6. 27% -15. 63% -4. 16% 35. 42% 26. 47% 40. 45% 32. 00

Market Value Ratios

Price to Earnings 13. 00 18. 40 5. 80 7. 5 7. 00

Market Value to Book Value 3. 70 3. 40 1. 00 1. 1 1. 05

Debt Management Ratios

Debt to equity 14. 70 15. 02 13. 18 11. 50 12. 79 8. 51 6. 68

Deposit times capital 12. 81 13. 31 12. 11 10. 18 10. 25 8. 88 8. 20

Debt to asset 0. 94 0. 94 0. 93 0. 92 0. 93 0. 89 0. 86

Liquidity Ratios

Earning assets to assets 78. 13% 81. 27% 80. 33% 82. 95% 84. 33% 79. 73% 0. 80

Advance to deposit 57. 85% 67. 17% 72. 42% 74. 27% 75. 80% 74. 26% 0. 69

Yield on earning assets 4. 34% 7. 15% 9. 70% 9. 33% 10. 24% 12. 04% 0. 12

Cost of funding earning assets 0. 81% 2. 14% 3. 57% 3. 85% 4. 73% 5. 55% 0. 04

Solvency Ratios

Equity to assets (%) 6. 37% 6. 24% 7. 05% 8. 00% 7. 25% 10. 51% 13. 00%

Equity to deposits (%) 7. 80% 7. 51% 8. 25% 9. 82% 9. 75% 11. 26% 16. 50%

Earning assets to deposits (%) 92. 50% 97. 52% 101. 49% 182. 83% 180. 36% 101. 35% 101. 27%

YEARS
2007
2008
2009
FORMULA

Current Ratio
0.84
0.91
1.15
Current Assets / Current Liabilities

Asset Turnover
0.07
0.06
0.04
Markup Revenue / Total Assets

Debt to Asset
0.99
0.94
0.93
Total Debt / Total Assets

Debt to Equity

14.54
14.4
13.47
Total Equity / Total Assets

Coverage Ratio
0.1
1.15
3.34
EBIT / Interest Expense

Gross Profit Margin

44.65%
52.50%
79%
Gross Profit / Revenue * 100

Net Profit Margin

-65.12%
12.69%
30%
Net Profit / Revenue * 100

Return On Investment
-4.43%

0.76%
1.24%
Net Profit / Total Assets * 100

Return On Equity
-887.99%
16.78%
18%
Net Profit / Total Equity * 100

Advances to Deposit
56.46%
46.74%
45%
Advances / Deposits * 100

Investment to Deposit
20.22%
41.63%
28%
Investment / Deposits * 100

Cash Ratio
9.59%
9.23%

28%
Cash / Current Liabilities * 100

Read more: Finance Internship Report on UBL (United Bank Limited) - Virtual University of Pakistan
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