UCO Bank

Financial

	UCO Bank	Indian Bank	CentralBank of India
Operational Metrics
Banking Sector
Net Interest Margin	3.1 %	3.39 %	3.44 %
Yield On Advances	8.96 %	8.77 %	8.84 %
Gross NPA	3.18 %	3.48 %	4.59 %
Net NPA	0.73 %	0.27 %	0.69 %
CASA Ratio	38.24 %	38.86 %	48.93 %
CASA vs Liabilities	31.69 %	33.15 %	42.88 %
Credit Deposit Ratio	71.77 %	79.44 %	62.18 %
Cost To Income Ratio	56.53 %	45.12 %	57.19 %
Fresh Slippages - Quarterly	864.0 Crs	1357.0 Crs	766.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.84 %	16.55 %	16.27 %
Tier I Capital	14.59 %	14.01 %	14.01 %
Tier 2 Capital	2.25 %	2.54 %	2.26 %
NBFC
Cost of Borrowing	4.79 %	5.22 %	4.79 %
Financials
5 yr Average ROE	5.37 %	10.68 %	1.97 %
5yr average Equity Multiplier	11.57	14.42	14.47
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.37 %	8.61 %	1.77 %
5yr Avg Net Profit Margin	5.37 %	8.61 %	1.77 %
5yr CAGR Net Profit	62.91 %	57.77 %	n/a
5yr CAGR Sales	7.05 %	21.04 %	5.43 %
5 yr CAGR PPOP	1.98 %	21.13 %	11.2 %
Price to Book	1.97	1.2	1.49
P/E	13.89	8.07	14.64
Shareholdings
Promoter Holding	95.39 %	73.84 %	93.08 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-6.02 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.04 %	6.69 %	0.07 %

Business

	UCO Bank	Indian Bank	CentralBank of India
Segment Break-Up	Segment Break-Up Consumer Finance 34.33 Corporate Banking 34.03 Treasury Operations 31.02 Corporate/ Wholesale Banking 0 Others 0.62	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 34.22 Corporate Banking 0 Others 65.78	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate/ Wholesale Banking 0 Corporate Banking 0 Others 100
Loan Break-Up	Loan Break-Up Personal Loan 57.66 Services 16.65 Agricultural 13.19 Industrial & Commercial 11.57 Priority Sector 0.93 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0	Loan Break-Up Agriculture Advances 0 Personal Loan 0 Corporate Advances 0 Retail Advances 0 Corporate 37.67 Agricultural 24.64 Services 0 Agricultural 0 Retail 21.11 Industrial & Commercial 0 Priority Sector 0 MSME Sector 16.59 MSME Advances 0	Loan Break-Up Agricultural Loan 18.79 Personal Loan 0 Corporate Banking 31.5 Consumer Finance 28.92 Corporate Sector 0 Agriculture sector 0 Services 0 Agricultural 0 Retail sector 0 Industrial & Commercial 0 Priority Sector 0 MSME sector 0 Small & Medium Enterprises (SME) loans 20.79
Location Wise Break-Up	Location Wise Break-Up India 92.75 Rest of the World 7.25	Location Wise Break-Up India 96.44 Rest of the World 3.56	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 16.39 Borrowings outside India 1.57 RBI 0 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Others 82.04	Borrowings Break-Up Innovative Perpetual Debt Instrument 0 RBI 88.37 Unsecured Redeemable Bonds 0 Reserve Bank of India 0 Upper Tier II Bonds 0 Borrowings outside India 11.63 Unsecured Redeemable NC Basel III 0	Borrowings Break-Up Innovative Perpetual Debt Instrument 0 RBI 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 55.01 Upper Tier II Bonds 0 Borrowings outside India 0 Unsecured Redeemable NC Basel III 14.99 Others 30.0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 60.53 Priority Sector 39.47 Non priority sector 0 Priority Sector 0	-	Priority vs Non-Priority Sector Non Priority Sector 53.07 Priority Sector 46.93 Non Priority Sector 0
Asset Break-Up	Asset Break-Up India 95.49 Others 4.51	Asset Break-Up India 94.89 Others 5.11	Asset Break-Up India 0 Others 100
NPA Break-Up	NPA Break-Up Agricultural 50.55 Services 35.18 Personal Loan 11.67 Priority Sector 2.03 Industrial & Commercial 0.57 Others 0 Retail 0 MSME 0 Corporate 0 Agriculture 0	NPA Break-Up Personal Loan 0 Personal Loan 11.0 Services 0 Agricultural 0 Others 0 Agriculture 0 Corporate 6.0 Industrial & Commercial 0 MSME 40.0 Priority Sector 0 Others 43.0	NPA Break-Up Personal Loan 0 Retail 8.12 Services 0 Agricultural 0 Others 0 Agricultural 28.86 Corporate 36.2 Industrial & Commercial 0 MSME Sector 26.82 Priority Sector 0

UCO Bank

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