![RETURN ON EQUITY
CAPITAL [ROE] =
NET INCOME
AFTER TAXES
TOTAL EQUITY
CAPITAL
2015
ROE
=
2014
488,313,699
5,111,957,585
110,551,581
4,623,644,159
=0.0955
=9.55%
=0.0239
=2.39% 2.39%
9.55%
2014 2015
ROE](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)
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Profitability ratios of union bank ltd.
- 1. UNION BANK LIMITEDS H A R I A H B A S E D B A N K
- 2. RETURN ON EQUITY CAPITAL [ROE] = NET INCOME AFTER TAXES TOTAL EQUITY CAPITAL 2015 ROE = 2014 488,313,699 5,111,957,585 110,551,581 4,623,644,159 =0.0955 =9.55% =0.0239 =2.39% 2.39% 9.55% 2014 2015 ROE
- 3. RETURN ON ASSETS [ROA] = NET INCOME AFTER TAXES TOTAL ASSETS 2015 ROA = 2014 488,313,699 63,059,961,079 110,551,581 40,951,529,467 =0.0077 =0.77% =0.0026 =0.26% 0.26% 0.77% 2014 2015 ROA
- 4. NET INTEREST MARGIN [NIM] = INTEREST INCOME FROM LOANS & SECURITY INVESTMENTS – INTEREST EXPENSE ON DEPOSITS AND ON OTHER DEBT ISSUEDTOTAL ASSETS 2015 NIM = 2014 6,163,131,029 - 4,213,350,665 63,059,961,079 40,951,529,467 =0.0309 =3.09% =0.0225 =2.25% 2.25% 3.09% 2014 2015 NIM 3,366,101,694 – 2,444,287,200
- 5. NET NON INTEREST MARGIN [NNIM] = NON INTEREST REVENUES – NON INTEREST EXPENSES TOTAL ASSETS 2015 NNI M = 2014 111,506,018 – 1,061,286,382 63,059,961,079 40,951,529,467 =-0.01435 =-1.44% =-0.01138 =-1.14% -1.14% -1.44% 2014 2015 NNIM 60,526,130 – 526,889,043
- 6. NET BANK OPERATING MARGIN [NBOM] = TOTAL OPERATING REVENUES – TOTAL OPERATING EXPENSE TOTAL ASSETS 2015 NBO M = 2014 2,061,286,382 – 1,016,472,683 63,059,961,079 40,951,529,467 =0.0165 =1.65% = 0.0111 =1.11% 1.11% 1.65% 2014 2015 NBOM 982,340,624 – 526,889,043
- 7. EARNING PER SHARE OF STOCK[EPS] = NET INCOME AFTER TAXES COMMON EQUITY SHARE OUTSTANDING 2015 EPS = 2014 488,313,699 4,280,000,000 110,551,581 =0.11409 =11.41% =0.02582 =2.58% 2.58% 11.41% 2014 2015 EPS 4,280,000,000
- 8. NET PROFIT MARGIN [NPM] = NET INCOME AFTER TAXES TOTAL OPERATING REVENUES 2015 NPM = 2014 488,313,699 2,061,286,382 110,551,581 =0.2368 =23.68% =0.1125 =11.25% 11.25% 23.68% 2014 2015 NPM 982,340,624
- 9. ASSET UTILIZATION [AU] = TOTAL OPERATING REVENUES 2015 AU= 2014 2,061,286,382 =0.0326 =3.26% =0.0239 =2.39% 2.39% 3.26% 2014 2015 AU 982,340,624 TOTAL ASSETS 63,059,961,079 40,951,529,467
- 10. EQUITY MULTIPLIER [EM] = TOTAL ASSETS TOTAL EQUITY CAPITAL 2015 EM= 2014 = 12 = 8.86 63,059,961,079 40,951,529,467 5,111,957,585 4,623,644,159 COMMENT: EM HAD BEEN INCRESED IN 2015.
- 11. T H A N K Y O U