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Term Paper: Ratio Analysis | Term Paper Queen

Sample Term Paper

The ratio analysis includes an overview of the key ratios for UBS during 2006-2008 which clarifies the financial position of the bank during this period. The ratios included in this analysis are Current ratio, Debt to Assets ratio, Earnings per Share, Return on Equity, Return on Assets, Cost / Income ratio and Net New Money.

Ratios 2005 2006 2007 2008
Current Ratio 1.12 1.12 1.14 1.13
Debt to Assets Ratio 1.02 1.02 1.01 1.02
Earnings Per Share 5.98 5.19 (2.42) (7.69)
Dividend Payout Ratio 26.8 42.40
Return on Equity % 36.7 25.70 (10.90) (58.70)
Return on Assets % 0.7 0.50 (0.20) (0.90)
Cost / Income Ratio % 71.2 70.50 111.00 753.00
Net New Money (CHF billion) 148 151.70 140.60 (226.00)

Source: UBS Annual Reports 2005-2008

As can be seen from the table the key performance indicators and ratios have been on a decline since 2005 till 2008 except for the current ratio and debt to assets ratio although the bank faced liquidity problems in 2008 the current ratio remained constant as a balance was kept between the current assets and current liabilities of the firm. The debt to assets ratio also remains constant due to the fact that the gain or loss on the assets which were revalued impacted mainly the income statement rather than the balance sheet.

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