Page 5 - Demo

net npa
0.2%
-10 bps
0.3% as on March 31, 2019
cost to average asset Ratio
8.2%
-40 bps
8.6% in FY 2018-19
capital adequacy Ratio (caR)
28.8%
990 bps
18.9% in FY 2018-19
provision coverage Ratio (pcR)
80%
800 bps
72% as on March 31, 2019
cost to income Ratio
67.4%
-910 bps
76.5% in FY 2018-19
Liquidity coverage Ratio (LcR)
254%
6,700 bps
187% as on March 31, 2019
net interest margin (nim)
10.8%
-10 bps
10.9% in FY 2018-19
Return on average assets (Roaa)
2.2%
50 bps
1.7% in FY 2018-19
Return on average net Worth (Roae)
13.9%
240 bps
11.5% in FY 2018-19
coRpoRate oveRvieW
encouraging debut on bourses
In order to comply with the regulatory requirements and the licensing conditions specified by the RBI, USFB launched an Initial Public Offering (IPO) of `1,045 crores (including employee Stock purchase Scheme) in 2019, which was over-subscribed by 170 times. it set a benchmark to become the most subscribed ipo in 2019; and
is considered the best IPO of the past four years in the banking and financial services sector. Some of the esteemed anchor investors were Government of Singapore, aberdeen, Goldman Sachs, cX partners, and iiFL. Large insurance companies such as Bajaj allianz, hdFc Life, aditya Birla Sun Life and leading mutual funds such as ICICI Prudential, Aditya Birla Sun Life, Sundaram, UTI, BNP, and Edelweiss also invested in the anchor book.
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