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What Does Ratio Analysis Mean? A tool used by individuals to conduct a quantitative analysis of information in a company's financial statements.

Ratios are calculated from current year numbers and are then compared to previous years, other companies, the industry, or even the economy to judge the performance of the company. Ratio analysis is predominately used by proponents of fundamental analysis.

Investopedia explains Ratio Analysis There are many ratios that can be calculated from the financial statements pertaining to a company's performance, activity, financing and liquidity. Some common ratios include the priceearnings ratio, debt-equity ratio, earnings per share, asset turnover and working capital.

competitive market
competitive market (plural competitive markets)

noun Definition: market allowing easy entry and exit: a market in which companies are generally free to enter or to leave

Union Bank of India Key Financial Ratios


union-bank-of-ind Union Bank of Ind company 3982 532477 UNIONBANK

Company Background Board of Directors Balance Sheet Profit & Loss Statement Quarterly Results Key Financial Ratios Share Holding Pattern Mutual Fund Holdings Particular 201003 200903 200803 200703 200603 Deposit Ratios Advance/Deposit Ratio 69.91 70.42 72.29 72.68 68.78 Investment/Deposit Ratio 31.55 31.67 32.69 33.84 35.84 Cash/Deposit Ratio 6.95 7.61 8.13 6.47 5.91 Income Ratios (in %) Interest Expended/Interest Ratio 68.48 67.92 69.03 62.20 59.51 Other Income/Total Income 13.59 11.35 12.77 14.19 12.26

Interest Expended/Total Funds Net Interest Income/Total Funds Non-Interest Income/Total Funds Net Profit/Total Funds Return on Net Worth

5.11 5.65 5.60 4.78 4.32 2.35 2.67 2.51 2.91 2.94 1.17 1.07 1.19 1.27 1.01 1.16 1.21 1.22 0.88 0.84 26.16 27.24 26.79 19.16 18.67

productivity
in a business world fraught with layoffs, budget and staff cuts, acquisitions and mergers, uncertainty abounds. Bank operations managers are asking themselves: "What if these cuts hit my department? How can I do more with less?" The need for efficiency in bank operations has never been greater. Traditional approaches for dealing with economic pressure in bank processing generally include admonitions such as, "Put your nose to the grindstone," and "Use your tails and elbows," and the ever-popular "Come in early, stay late and work through lunch." But these are old-school, work-harder strategies, provide short-term, crisis-oriented solutions. Today's workforce and management techniques focus on working smarter, not longer: Working smarter for the long run, that is,...