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United Bank of India

Items 2004-05 2005-06 2006-07 2007-08 2008-09 Group Average All Banks' Average
            2008-09 2008-09
No. of offices 1345 1353 1361 1399 1445 1968 825
No. of employees 17493 17319 16793 16009 15111 23303 12039
Business per employee (in Rs. lakh) 208.00 254.00 350.00 463.00 585.00 778.06 750.55
Profit per employee (in Rs. lakh) 1.72 1.18 1.59 1.99 1.22 4.83 5.60
               
Capital and Reserves & surplus 1957 1829 2415 2661 3078 6794 4708
Deposits 25348 29250 37167 46971 54536 105285 51970
Investments 14403 14130 14602 18515 17924 32752 18542
Advances 11390 15522 22156 27858 35394 76027 38389
               
Interest income 2133 2360 2825 3557 4312 9212 4972
Other income 478 437 348 465 491 1305 960
Interest expended 1218 1340 1675 2653 3150 6584 3366
Operating expenses 704 814 778 903 975 1755 1142
               
Cost of Funds (CoF) 4.97 4.72 4.80 5.85 5.78 6.18 6.05
Return on advances adjusted to CoF 3.70 3.85 3.98 3.13 3.72 4.01 4.43
Wages as % to total expenses 25.90 29.18 22.72 18.04 15.94 13.14 13.52
               
Return on Assets 1.04 0.66 0.73 0.68 0.34 1.03 1.13
CRAR 18.16 13.12 12.02 11.24 13.28 13.24 13.98
Net NPA ratio 2.43 1.95 1.50 1.10 1.48 0.68 1.05

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Historical Data