(amount in million) Efficiency Ratios For UNION BANK

Operating Efficiency
Total Operating Expense Total Operating Revenue
2015 1,016.47 2,061.29
2016 1,403.84 3,179.45
2017 1,738.30 4,011.07
2018 2,110.02 4,439.57

Tax Management Efficiency

Net Income Net Operating Income Before Tax
2015 488.31 1,044.81
2016 849.61 1,775.61
2017 956.12 1,745.86
2018 1,560.60 1,753.69

Expense Control Efficiency

Net Operating Income Before Tax Total Operating Revenues
2015 1,044.81 2,061.29
2016 1,775.61 3,179.45
2017 1,745.86 4,011.07
2018 1,753.69 4,439.57

Employee Productivity Ratio

Net Operating Income No. Of Full Time Employee
2015 2,061.29 832
2016 3,179.45 1051
2017 4,011.07 1308
2018 4,439.57

Asset Utilization Ratio

Total Operating Revenue Total Assets
2015 2061.29 63,048.76
2016 3179.45 83,917.24
2017 4,011.07 131,677.56
2018 4,439.57 148,583.76

Profitability Ratios Of UNION BANK

Net non interest margin

Non Interest Income Non Interest Expense
2015
2016
2017
2018

Net Interest Margin

Interest Income Interest Expense
2015
2016
2017
2018

Net Profit Margin

Net Income Total Operating Revenues
2015 788.31 2061.29
2016 1472.11 3179.45
2017 956.12 4,011.07
2018 1,560.60 4,439.57

Return on assets
Net Income After Tax Total Assets
2015 488.31 63048.76
2016 849.61 83,917.24
2017 890.08 131,677.56
2018 953.65 148,583.76

Return On Equity
Net Income After Tax Total Equity Capital
2015 488.31 5111.96
2016 849.61 6,012.42
2017 890.08 6,902.49
2018 953.65 7,856.15

Net Operating Margin

Net Operating Income Total Assets
2015 2061.29 63048.76
2016 3179.45 83917.24
2017 4,011.07 131,677.56
2018 4,439.57 148,583.76

Market Position of UNION BANK

Price Earnings Ratio

Market Price Per Share Earnings Per Share
2015
2016
2017
2018

Earnings Per Share

Net Income After Tax Common Equity Outstanding
2015
2016
2017
2018

Dividends per share

Cash Dividend No. Of Common Stock Outstanding
2015
2016
2017
2018

Dividend Yield
Dividends Per share Market Price Per Share
2015
2016
2017
2018

Dividend Payouts
Dividend Per Share Earnings Per Share
2015
2016
2017
2018

Market/Book Ratio
Market Price Per Common Stock Book Value Per Common Stock
2015
2016
2017
2018

Capital Adequacy of UNION BANK

Capital Adequacy Ratio
 Bank's Capital Risk Weighted Assets
2015 559.67 4224.77
2016 677.42 5831.52
2017
2018
For UNION BANK

Operating Efficiency
0.493123238360444
0.441535485697212
0.43337563293585
0.475275758688342

Tax Management Efficiency

0.4673672725
0.4784890826
0.5476498688
0.8898950214

Expense Control Efficiency

0.506871910308593
0.558464514302788
0.435260416796516
0.395013481035326

Employee Productivity Ratio

2.47751201923077
3.02516650808754
3.06656727828746

Asset Utilization
0.032693585091919
0.037887923864036
0.030461302594003
0.029879241176829

Of UNION BANK

Total Assets Net Non Interest Margin

63048.76
 83917.24
131,677.56
148,583.76

Total Assets Net Interest Margin

63048.76
83917.24
131,677.56
148,583.76

Net Profit Margin

0.382435271116631
0.46300775291324
0.238370310166614
0.351520530141433

Return on Assets
0.007744958029309
0.010124379686463
0.006759542020675
0.006418265360898

Return on Equity
0.095523047911173
0.141309156712272
0.128950567114186
0.121388975515997

Net Operating Margin

0.032693585091919
0.037887923864036
0.030461302594003
0.029879241176829

UNION BANK

Price Earnings Ratio

 EPS

Dividends per share

Dividend Yield

Dividend Payouts

M/B Ratio

of UNION BANK
Capital Adequacy Ratio
0.132473483763613
0.116165253655994
(amount in million) Efficiency Ratios for UCB Bank

Operating Efficiency
Total Operating Expense Total Operating Revenue
2015 7,145.66 15,548
2016 8,797.39 16,453.05
2017 9,569.46 17,890.73
2018 10,035.09 18,560.15

Tax Management Efficiency

Net Income Net Operating Income Before Tax
2015 3,977.34 8,402.34
2016 2,628.63 7,587.38
2017 2,433.91 7,951.41
2018 2,526.57 7,657.88

Expense Control Efficiency

Net Operating Income Before Tax Total Operating Revenues
2015 8,402.34 15,548
2016 7,587.38 16,453
2017 7,951.41 17,890.73
2018 7,657.88 18,560.15

Employee Productivity Ratio

Net Operating Income No. Of Full Time Employee
2015 15,548
2016 16,453
2017 17,890.73
2018 18,560.15

Asset Utilization Ratio

Total Operating Revenue Total Assets
2015 15,548 293,847.23
2016 16,453.05 329720.77
2017 17,890.73 363,314.80
2018 18,560.15 401,076.14

Profitability Ratios for UCB Bank

Net non interest margin

Non Interest Income Non Interest Expense
2015 7824.62 7145.66
2016 7,703.97 8,754.70
2017 8,435.50 9,430.86
2018

Net Interest Margin

Interest Income Interest Expense
2015 22,434.57 14,711.18
2016 20,832.15 12,194.04
2017 21,034.16 12,087.39
2018 25,266.93 16,024.49

Net Profit Margin

Net Income Total Operating Revenues
2015 3,977.34 15,548
2016 2,628.63 16,453.05
2017 2,433.91 17,890.73
2018 2526.57 18,560.15

Return on assets
Net Income After Tax Total Assets
2015 3,977.34 293,847.23
2016 2,628.63 329,720.77
2017 2,433.91 363,314.80
2018 2526.57 401,076.14

Return On Equity
Net Income After Tax Total Equity Capital
2016 3,977.34 25,588.82
2017 2,628.63 25,756.32
2017 2,433.91 26,510.26
2018 2526.57 27,999.76

Net Operating Margin

Net Operating Income Total Assets
2015 15,548 293,847.23
2016 16,453.05 329,720.77
2017 17,890.73 363,314.80
2018 18,560.15 401,076.14

Market Position Indicator for UCB Bank

Price Earnings Ratio

 Market Price Per Share Earnings Per Share
2015
2016
2017
2018

Earnings Per Share

Net Income After Tax Common Equity Outstanding
2015
2016
2017
2018

Dividends per share

Cash Dividend No. Of Common Stock Outstanding
2015
2016
2017
2018

Dividend Yield
Dividends Per share Market Price Per Share
2015
2016
2017
2018

Dividend Payouts
Dividend Per Share Earnings Per Share
2015
2016
2017
2018

Market/Book Ratio
Market Price Per Common Stock Book Value Per Common Stock
2015
2016
2017
2018

Capital Adequacy of UCB BANK

 Capital Adequacy Ratio
Bank's Capital Risk Weighted Assets
2015
2016
2017
2018
r UCB Bank

Operating Efficiency
0.459587085155647
0.534696606404284
0.534883707931426
0.540679358733631

Tax Management Efficiency

0.473360992
0.346447654
0.306097912
0.329930738

Expense Control Efficiency

0.540412914844353
0.46115340316841
0.444443016020028
0.41259795852943

Employee Productivity Ratio

Asset Utilization
0.052911848105562
0.049899950191188
0.049243053131885
0.046275876695133

for UCB Bank

Total Assets Net Non Interest Margin

293,847.23 0.002310588396562
 329720.77 -0.003186726756704
363,314.80 -0.002739662683711
401,076.14

Total Assets Net Interest Margin

293,847.23 0.026283691699255
329720.77 0.026198258605304
363,314.80 0.024625393735681
401,076.14 0.023044103296696

Net Profit Margin

0.255810393619758
0.159765514600636
0.136043079293019
0.136128748959464

Return on Assets
0.013535400691033
0.007972291220841
0.006699176581851
0.006299477201511

Return on Equity
0.155432724134993
0.102057669729216
0.091810114272738
0.090235416303568

Net Operating Margin

0.052911848105562
0.049899950191188
0.049243053131885
0.046275876695133

dicator for UCB Bank

 Price Earnings Ratio

EPS

Dividends per share

Dividend Yield

Dividend Payouts

M/B Ratio

of UCB BANK
Capital Adequacy Ratio