United Bank of India had a credit to deposit ratio of less than 50 percent at the end of fiscal year 2020. This was much lower than the overall CD ratio for Indian public sector banks, which was estimated at approximately 68 percent that year. In April 2020, the bank was merged into Punjab National Bank.
The credit to deposit ratio is an important first indication to gauge a bank's health, as it shows how much of a bank's core funds are being used for lending. A very high ratio indicates pressure on resources as well as capital adequacy issues; while a very low ratio can mean that the bank is not using its available resources optimally.
Credit to deposit ratio of United Bank of India from financial year 2018 to 2020
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Indian Banks' Association. (July 19, 2021). Credit to deposit ratio of United Bank of India from financial year 2018 to 2020 [Graph]. In Statista. Retrieved November 10, 2024, from https://www-statista-com.ezproxy.canberra.edu.au/statistics/1072807/india-united-bank-of-india-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to deposit ratio of United Bank of India from financial year 2018 to 2020." Chart. July 19, 2021. Statista. Accessed November 10, 2024. https://www-statista-com.ezproxy.canberra.edu.au/statistics/1072807/india-united-bank-of-india-credit-to-deposit-ratio/
Indian Banks' Association. (2021). Credit to deposit ratio of United Bank of India from financial year 2018 to 2020. Statista. Statista Inc.. Accessed: November 10, 2024. https://www-statista-com.ezproxy.canberra.edu.au/statistics/1072807/india-united-bank-of-india-credit-to-deposit-ratio/
Indian Banks' Association. "Credit to Deposit Ratio of United Bank of India from Financial Year 2018 to 2020." Statista, Statista Inc., 19 Jul 2021, https://www-statista-com.ezproxy.canberra.edu.au/statistics/1072807/india-united-bank-of-india-credit-to-deposit-ratio/
Indian Banks' Association, Credit to deposit ratio of United Bank of India from financial year 2018 to 2020 Statista, https://www-statista-com.ezproxy.canberra.edu.au/statistics/1072807/india-united-bank-of-india-credit-to-deposit-ratio/ (last visited November 10, 2024)
Credit to deposit ratio of United Bank of India from financial year 2018 to 2020 [Graph], Indian Banks' Association, July 19, 2021. [Online]. Available: https://www-statista-com.ezproxy.canberra.edu.au/statistics/1072807/india-united-bank-of-india-credit-to-deposit-ratio/
