UCO Bank benchmarking: Performance to industry peers

Financial

	UCO Bank	CentralBank of India	Punjab & Sind Bank
Operational Metrics
Banks
Net Interest Margin	3.08 %	2.96 %	2.59 %
Yield On Advances	8.06 %	8.15 %	8.39 %
Gross NPA	2.41 %	2.7 %	2.6 %
Net NPA	0.36 %	0.45 %	0.74 %
CASA Ratio	38.41 %	47.13 %	31.02 %
CASA vs Liabilities	31.46 %	39.92 %	25.29 %
Credit Deposit Ratio	78.56 %	70.18 %	79.24 %
Cost To Income Ratio	52.2 %	57.84 %	60.21 %
Fresh Slippages - Quarterly	452.0 Crs	658.0 Crs	168.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.43 %	16.13 %	16.83 %
Tier I Capital	15.41 %	13.87 %	15.28 %
Tier 2 Capital	2.02 %	2.26 %	1.55 %
NBFC
Cost of Borrowing	4.48 %	4.77 %	5.58 %
Financials
5 yr Average ROE	6.17 %	5.77 %	-2.73 %
5yr average Equity Multiplier	11.6	13.76	10.5
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.97 %	4.67 %	1.23 %
5yr Avg Net Profit Margin	5.97 %	4.67 %	1.23 %
5yr CAGR Net Profit	76.11 %	n/a	n/a
5yr CAGR Sales	10.52 %	8.87 %	10.62 %
5 yr CAGR PPOP	7.79 %	12.19 %	21.86 %
Price to Book	1.0	0.78	1.17
P/E	12.5	6.32	13.39
Shareholdings
Promoter Holding	90.95 %	89.27 %	93.85 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.44 %	-3.81 %	-4.4 %
Change in Mutual Fund Holding (3 Yrs)	0.12 %	0.1 %	0.06 %

Business

	UCO Bank	CentralBank of India	Punjab & Sind Bank
Loan Break-Up	Loan Break-Up Personal Loan 52.23 Services 18.51 Agricultural 15.13 Industrial & Commercial 12.8 Priority Sector 1.33 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0 Personal loans 0 Advances to industries sector 0 Agriculture and allied 0	Loan Break-Up Corporate Banking 31.02 Priority Sector 0 Agricultural 0 Personal Loan 0 Personal loans 0 Industrial & Commercial 0 Small & Medium Enterprises (SME) loans 20.81 Agricultural Loan 18.29 Agriculture and allied 0 Consumer Finance 29.87 Services 0 Advances to industries sector 0 Others 0.01	Loan Break-Up Corporate Advances 0 Priority Sector 0 Agricultural 0 Personal Loan 0 Personal Loan 22.42 Industrial & Commercial 0 MSME Advances 0 Agriculture Advances 0 Agricultural 14.53 Retail Advances 0 Services 0 Advances to industries 20.5 Others 42.55
Segment Break-Up	Segment Break-Up Corporate Banking 36.64 Consumer Finance 36.19 Treasury Operations 27.11 Others 0.06	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 94.31 Rest of the World 5.64 Others 0.05	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 Treasury 48.28 Corporate/Wholesale Banking 26.2 Retail Banking 25.15 Corporate / Wholesale Banking 0 Others 0.37	-	Operating Profit Break-Up Corporate / Wholesale Banking 31.21 Retail Banking 45.38 Treasury 22.37 Corporate/Wholesale Banking 0 Others 1.04
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 17.43 Borrowings outside India 1.04 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 Subordinated Debt 0 Bonds 0 Institutions & Agencies 0 Reserve Bank Of India 0 Others 81.53	Borrowings Break-Up Reserve Bank of India 40.75 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Subordinated Debt 0 Borrowings outside India 0 Bonds 0 Institutions & Agencies 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 9.17 Unsecured Redeemable Bonds 0 Others 50.08	Borrowings Break-Up Reserve Bank of India 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Subordinated Debt 8.7 Borrowings outside India 0 Bonds 21.08 Institutional Business 53.71 Reserve Bank of India 16.51 Unsecured Redeemable NC Basel III 0 Unsecured Redeemable Bonds 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 56.13 Priority Sector 43.87 Non priority sector 0 Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Non Priority Sector 53.59 Non Priority Sector 0 Non Priority Sector 0 Priority Sector 46.41	Priority vs Non-Priority Sector Non priority sector 0 Non Priority Sector 0 Non Priority Sector 53.01 Priority Sector 36.95 Others 10.04
NPA Break-Up	NPA Break-Up Agricultural 55.33 Services 35.31 Personal Loan 8.4 Priority Sector 0.88 Industrial & Commercial 0.08 Others 0 Corporate 0 MSME 0 Retail 0 Agriculture 0 Advances to industries sector 0 Agriculture and allied 0	NPA Break-Up MSME Sector 39.32 Priority Sector 0 Agricultural 0 Personal Loan 0 Industrial & Commercial 0 Agricultural 38.78 Retail 11.09 Agriculture and allied 0 Others 0 Services 0 Corporate 10.81 Advances to industries sector 0	NPA Break-Up MSME 0 Priority Sector 0 Agricultural 0 Personal Loan 0 Industrial & Commercial 0 Agriculture 0 Retail 11.6 Agricultural 41.87 Others 0 Services 7.14 Corporate 0 Advances to industries 39.39
Asset Break-Up	Asset Break-Up Treasury 0 Corporate / Wholesale Banking 0 Retail Banking 0 Others 100	Asset Break-Up Corporate / Wholesale Banking 0 Treasury 39.25 Retail Banking 37.65 Others 23.1	Asset Break-Up Corporate / Wholesale Banking 29.43 Treasury 29.19 Retail Banking 39.74 Others 1.64

UCO Bank

UCO Bank

Financial

Business

SIGN UP FOR FREE