United bank li

ASSETS 2015 2016 2017

Cash and balances with treasury banks 167,250,988
Balances with other banks 40,469,761
Lendings to financial institutions 44,318,411
Investments 1,244,887,008
Advances – net 633,382,624
Operating Fixed assets 31,341,509
Deferred tax assets -
Other assets – net 56,722,484
Total Assets 2,218,372,785

LIABILITIES
Bills payable 28,081,548
Borrowings 314319099
Deposits accounts and other account 1,634,944,470
Liabilities against assets subject to lease -
Subordinate debts 10,000,000
Deferred tax liabilities 5671128
Other liabilities 42,784,489
total liabilities 2,035,800,734
Net ASSETS 182,620,051

EQUITY
Share capital 14,668,525
Reserves 47,188,150
Unappropriated profit 96,495,448
Total equity attribute to the equity holders of 158,352,123
Non controlling interest 1,692,344
Surplus on revaluation of assets-net of deferre 22,575,584
Total equity 182,620,951

Risk Weighted Assets (RWAs)

Credit Risk 649,018,529
Market Risk 195,777,888
Operational Risk 126,986,400
Total 971,782,817
 United bank limited(UBL)

(a)capital adequacy Tier1+tierII/ total RWA

Capital Adequacy Tier1
Tier2
(b) Advances/ Equity

NpL/Advances
Asset quality
Advances/total assets
Non performing loan 12667652

Management
quality Total advances/ total deposits

EPS= net profit after tax/Net of outstanding shares

Earning Quality ROE= net profit after tax/Total shareholders fund
ROA= net profit after tax/ total assets

Profit after tax 35101591

 2015 Rating 2016 Rating 2017 Rating
15.92% 1.00
125,609,905
29,113,317
347%

2.0000%
29%
Rating1
Rating2
38.74% Rating 3
Rating 4
Rating 5
20%
1.58%
Capital Adequacy ratio
>15%
12-14.9%
8-110.9%
7%-7.99%
<6.99%