FUTURE ORIENTAL BANK OF COMMERCE Key Financial Ratios

Mar 2019 Mar 2018 Mar 2017 Mar 2016 Mar 2015 Mar 2014
Operational & Financial Ratios
Earnings Per Share (Rs) 0.40 -92.79 -31.61 4.86 25.93 38.00
Dividend Per Share(Rs) 0.00 0.00 0.00 0.70 3.30 7.60
Book NAV/Share(Rs) 126.99 164.08 366.09 417.98 438.80 426.19
Margin Ratios
Yield on Advances 11.22 12.75 11.68 13.55 13.74 13.67
Yield on Investments 7.15 8.62 10.86 8.07 7.95 7.42
Cost of Liabilities 5.01 5.94 5.78 6.75 7.07 6.90
NIM 2.16 2.05 2.09 2.37 2.33 2.39
Interest Spread 6.20 6.81 5.91 6.79 6.68 6.78
Performance Ratios
ROA(%) 0.02 -2.41 -0.44 0.07 0.34 0.54
ROE(%) 0.40 -50.94 -8.38 1.17 6.00 9.16
ROCE(%) -10.32 -20.94 -2.95 4.68 7.16 10.53
Efficiency Ratios
Cost Income Ratio 54.04 49.22 45.67 48.44 41.34 41.24
Core Cost Income Ratio 56.25 59.12 55.92 51.97 45.18 42.74
Operating Costs to Assets 1.62 1.54 1.38 1.44 1.29 1.32
Capital Adequacy
Basel I
Total CAR (Basel I)
Tier-1 (Basel I)
Tier-2 (Basel I)
Basel II
Total CAR (Basel II) 0.00 0.00 12.57 12.80 12.28 11.85
Tier-1 (Basel II) 0.00 0.00 12.57 12.80 12.28 9.23
Tier-2 (Basel II) 0.00 0.00 0.00 0.00 0.00 2.62
Basel III
Total CAR (Basel III) 12.73 10.50 11.64 11.76 11.41 11.01
Tier - 1 (Basel III) 9.98 7.61 8.88 9.10 8.73 8.86
Tier - 2 (Basel III) 2.75 2.89 2.76 2.66 2.68 2.15
Valuation Parameters
PE Ratio(x) 288.28 0.00 0.00 18.87 7.89 5.87
Price/Cash EPS(x) 47.28 -1.03 -4.76 9.44 6.48 5.27
Price/Book(x) 0.91 0.56 0.39 0.22 0.47 0.52
Divident Yield(%) 0.00 0.00 0.00 0.76 1.61 3.41
EV/Net Sales(x) 1.68 0.89 1.06 0.65 0.64 0.77
EV/Core EBITDA(x) 7.98 4.18 4.67 3.55 3.00 3.50
EV/EBIT(x) 3.43 2.28 1.62 0.86 0.80 0.94
EV/CE(x) 0.11 0.07 0.08 0.05 0.06 0.07
M Cap / Sales 0.89 0.33 0.26 0.15 0.31 0.35
Growth Ratio
Core Operating Income Growth 22.16 -8.33 -8.65 5.71 -0.84 9.06
Operating Profit Growth 15.71 -26.25 -3.93 -3.62 -13.42 -7.35
Net Profit Growth 100.94 -436.69 -800.98 -79.93 -31.76 -14.20
BVPS Growth -22.60 -55.18 -12.42 -4.74 2.96 2.78
Advances Growth 16.81 -13.53 5.93 2.49 4.44 7.85
EPS Growth(%) 100.43 -193.61 -750.82 -81.27 -31.76 -16.51
Liquidity Ratios
Loans/Deposits(x) 0.06 0.05 0.07 0.05 0.03 0.04
Total Debt/Equity(x) 0.05 0.06 0.05 0.05 0.05 0.05
Current Ratio(x) 0.34 0.34 0.27 0.32 0.30 0.32
Quick Ratio(x) 6.07 4.68 6.65 4.85 3.21 4.06
Interest Cover(x)
Total Debt/Mcap(x) 12.66 17.63 13.73 9.57 5.18 3.99
Net NPA  in Rs. Million 5.93 10.48 8.96 6.70 3.34 2.82

CIN: U67190WB2003PTC096617. Trading in Commodities is done through our Group Company Dynamic Commodities Pvt. Ltd. The company is also engaged in Proprietory Trading apart from Client Business.
“2019 © COPYRIGHT DYNAMIC EQUITIES PVT. LTD.”

Disclaimer: There is no guarantee of profits or no exceptions from losses. The investment advice provided are solely the personal views of the research team. You are advised to rely on your own judgment while making investment / Trading decisions. Past performance is not an indicator of future returns. Investment is subject to market risks. You should read and understand the Risk Disclosure Documents before trading/Investing.

Disclosure: We, Dynamic Equities Private Limited are also engaged in Proprietory Trading apart from Client Business. In case of any complaints/grievances, clients may write to us at compliance@dynamiclevels.com

  • Download our Mobile App
  • Available on Google Play
  • Available on App Store
  • RSS