Investor Presentaiton
Key Financial Ratios & Share Information
Description
2018
2017
2016
2015
2014
2013
2012
Key Financial Ratios
Return on equity (ROE)
11.6%
20.6%
24.9%
25.7%
23.9%
22.3%
23.8%
Return on assets (ROA)
0.8%
1.4%
1.8%
2.0%
2.1%
2.0%
2.1%
Profit before tax ratio
30.7%
50.8%
57.1%
54.2%
52.0%
49.6%
48.2%
Return on capital employed (ROCE)
11.3%
20.6%
24.9%
25.7%
23.9%
21.0%
20.9%
Advances to deposits ratio (ADR) - gross
53.2%
49.8%
45.6%
45.2%
51.3%
50.7%
56.2%
Cost to revenue ratio
47.8%
45.0%
39.6%
39.7%
45.2%
46.5%
42.6%
Growth in gross income
3.5%
-2.6%
3.6%
21.1%
14.7%
0.6%
6.8%
Total assets to shareholders' funds
12.5
12.8
10.5
9.9
8.9
10.0
9.7
Intermediation cost ratio
3.3%
3.0%
3.0%
3.3%
3.4%
3.5%
3.7%
NPL ratio
8.8%
7.8%
8.0%
9.4%
11.2%
12.1%
14.0%
Net infection ratio
1.1%
1.5%
0.8%
1.1%
1.9%
1.7%
3.5%
Capital adequacy ratio (CAR)
17.7%
15.4%
15.1%
14.6%
13.9%
13.3%
15.0%
Share Information - Rs
Cash dividend per share
11.00
13.00
13.00
13.00
11.50
10.00
8.50
Dividend yield (based on cash dividend)
5.9%
5.4%
8.4%
7.4%
8.7%
12.0%
16.2%
Dividend payout ratio (total payout)
88.4%
63.2%
57.4%
61.9%
64.2%
65.8%
58.2%
Earning per share (EPS)
12.44
20.57
22.65
21.02
17.91
15.21
14.61
Price earnings ratio (PE)
9.86
9.14
10.55
7.37
9.86
8.72
5.72
Market value per share - at the end of the year
122.64
187.97
238.90
154.95
176.71
132.55
83.67
Market value per share - highest during the year
219.70
283.00
243.72
186.75
198.39
154.21
91.99
UBL Performance Overview - 9M 2019
33View entire presentation