UCO Bank

Financial

	UCO Bank	Bank of Maharashtra	CentralBank of India
Operational Metrics
Banking Sector
Net Interest Margin	3.0 %	4.01 %	3.17 %
Yield On Advances	8.5 %	9.3 %	8.54 %
Gross NPA	2.69 %	1.74 %	3.18 %
Net NPA	0.5 %	0.18 %	0.55 %
CASA Ratio	37.91 %	53.28 %	48.91 %
CASA vs Liabilities	30.7 %	44.33 %	42.07 %
Credit Deposit Ratio	74.94 %	76.86 %	68.6 %
Cost To Income Ratio	58.47 %	38.5 %	61.57 %
Fresh Slippages - Quarterly	488.0 Crs	660.0 Crs	1366.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.49 %	20.53 %	17.02 %
Tier I Capital	16.37 %	16.86 %	14.73 %
Tier 2 Capital	2.12 %	3.67 %	2.29 %
NBFC
Cost of Borrowing	4.78 %	4.3 %	4.92 %
Financials
5 yr Average ROE	5.37 %	12.95 %	1.97 %
5yr average Equity Multiplier	11.57	16.06	14.47
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.37 %	9.2 %	1.77 %
5yr Avg Net Profit Margin	5.37 %	9.2 %	1.77 %
5yr CAGR Net Profit	62.91 %	59.15 %	n/a
5yr CAGR Sales	7.05 %	12.31 %	5.43 %
5 yr CAGR PPOP	1.98 %	22.96 %	11.2 %
Price to Book	1.3	1.38	0.93
P/E	16.3	7.14	8.71
Shareholdings
Promoter Holding	90.95 %	79.6 %	89.27 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.44 %	-11.37 %	-3.81 %
Change in Mutual Fund Holding (3 Yrs)	0.04 %	0.81 %	0.15 %

Business

	UCO Bank	Bank of Maharashtra	CentralBank of India
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 & Others 0 0 Agriculture Sector 0 Retail Sector 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0	Loan Break-Up Personal Loan 0 Priority Sector 0 Corporate 37.67 Retail Advances 0 MSME Sector 20.82 Industrial & Commercial 0 Agricultural 0 Agriculture Advances 0 Agricultural 14.76 MSME Advances 0 Corporate Advances 0 Services 0 Retail 26.75	Loan Break-Up Personal Loan 0 Priority Sector 0 Corporate & Others 0 Consumer Finance 29.52 0 Industrial & Commercial 0 Agricultural 0 Agricultural Loan 18.94 Agriculture Sector 0 Small & Medium Enterprises (SME) loans 21.46 Corporate Banking 30.09 Services 0 Retail Sector 0
Segment Break-Up	Segment Break-Up Consumer Finance 37.06 Corporate Banking 34.63 Treasury Operations 28.27 Corporate/ Wholesale Banking 0 Others 0.04	Segment Break-Up Corporate Banking 32.56 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 67.44	Segment Break-Up Corporate/ Wholesale Banking 0 Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 93.89 Rest of the World 6.11	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Operating Profit Break-Up	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury 0 Retail Banking 0 Corporate & Wholesale Banking 0 Others 100	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury 20.19 Retail Banking 40.57 Corporate & Wholesale Banking 38.24 Others 1.0	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 16.39 Borrowings outside India 1.57 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 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 Borrowings Outside India 0 Reserve Bank Of India 0 Hybrid Debt Capital Instruments issued as Bonds 48.29 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Innovative Perpetual Debt Instruments (IPDI) 24.36 Infra Bonds 0 Subordinated Debt Bonds 0 Unsecured Redeemable Bonds 0 Unsecured Redeemable NC Basel III 0 Reserve Bank of India 0 Borrowings outside India 0 Others 27.35	Borrowings Break-Up Borrowings Outside India 0 Reserve Bank Of India 0 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 0 Infra Bonds 0 Subordinated Debt Bonds 0 Unsecured Redeemable Bonds 0 Unsecured Redeemable NC Basel III 14.99 Reserve Bank of India 55.01 Borrowings outside India 0 Others 30.0
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 36.95 TREASURY 25.61 RETAIL BANKING 32.41 Others 5.03	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 RETAIL BANKING 0 Others 100
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 Non Priority Sector 0 Priority Sector 46.93
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 Large Corporate & Other 0 Medium 0 Micro & Small 0 Retail 0 Agriculture 0 Corporate 0 MSME 0	NPA Break-Up Personal Loan 0 Priority Sector 0 Corporate 0 Industrial & Commercial 0 Agricultural 0 Large Industries 3.08 Medium 0 Micro, Small and Medium Enterprises 27.64 Agricultural 64.23 Services 0 Others 0 MSME 0 Retail 5.04 Others 0.01	NPA Break-Up Personal Loan 0 Priority Sector 0 Corporate 32.28 Industrial & Commercial 0 Agricultural 0 Large Corporate & Other 0 Medium 0 Micro & Small 0 Agricultural 31.39 Services 0 Others 0 MSME Sector 28.14 Retail 8.2

UCO Bank

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