UCO Bank benchmarking: Perfomance to industry peers

Financial

	UCO Bank	CentralBank of India	Bank of Maharashtra
Operational Metrics
Banking Sector
Net Interest Margin	2.9 %	2.89 %	3.85 %
Yield On Advances	8.06 %	8.36 %	9.19 %
Gross NPA	2.56 %	3.01 %	1.72 %
Net NPA	0.43 %	0.48 %	0.18 %
CASA Ratio	38.11 %	46.83 %	50.35 %
CASA vs Liabilities	31.53 %	41.35 %	41.74 %
Credit Deposit Ratio	75.47 %	64.35 %	82.03 %
Cost To Income Ratio	52.79 %	62.72 %	37.1 %
Fresh Slippages - Quarterly	629.0 Crs	733.0 Crs	710.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.89 %	17.34 %	18.13 %
Tier I Capital	15.9 %	14.98 %	14.96 %
Tier 2 Capital	1.99 %	2.36 %	3.17 %
NBFC
Cost of Borrowing	4.57 %	4.88 %	4.32 %
Financials
5 yr Average ROE	6.17 %	5.77 %	16.73 %
5yr average Equity Multiplier	11.6	13.76	15.54
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.97 %	4.67 %	12.49 %
5yr Avg Net Profit Margin	5.97 %	4.67 %	12.49 %
5yr CAGR Net Profit	76.11 %	n/a	57.52 %
5yr CAGR Sales	10.52 %	8.87 %	14.4 %
5 yr CAGR PPOP	7.79 %	12.19 %	18.66 %
Price to Book	1.29	0.92	1.44
P/E	16.1	7.72	7.45
Shareholdings
Promoter Holding	90.95 %	89.27 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.44 %	-3.81 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	0.11 %	0.11 %	0.98 %

Business

	UCO Bank	CentralBank of India	Bank of Maharashtra
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 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0	Loan Break-Up Priority Sector 0 Personal Loan 0 0 Agricultural 0 Industrial & Commercial 0 Agricultural Loan 19.25 Corporate & Others 0 Services 0 Corporate Banking 27.93 Retail Sector 0 Agriculture Sector 0 Small & Medium Enterprises (SME) loans 21.92 Consumer Finance 30.9	Loan Break-Up Priority Sector 0 Personal Loan 0 MSME Sector 18.38 Agricultural 0 Industrial & Commercial 0 Agriculture Advances 0 Corporate 37.59 Services 0 Corporate Advances 0 Retail 30.89 Agricultural 13.13 MSME Advances 0 Retail Advances 0 Others 0.01
Segment Break-Up	Segment Break-Up Corporate Banking 37.49 Consumer Finance 33.05 Treasury Operations 28.84 Corporate/ Wholesale Banking 0 Others 0.62	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate/ Wholesale Banking 0 Others 100	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Treasury Operations 0 Corporate Banking 33.19 Others 66.81
Location Wise Break-Up	Location Wise Break-Up India 93.6 Rest of the World 6.4	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 51.25 Corporate/Wholesale Banking 23.05 Retail Banking 20.85 Corporate & Wholesale Banking 0 Others 4.85	-	Operating Profit Break-Up Corporate/Wholesale Banking 0 Corporate & Wholesale Banking 36.85 Retail Banking 36.57 Treasury 23.35 Others 3.23
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 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Others 81.53	Borrowings Break-Up Unsecured Redeemable NC Basel III 9.17 Reserve Bank Of India 0 Subordinated Debt Bonds 0 Upper Tier II Bonds 0 0 Borrowings Outside India 0 0 Unsecured Redeemable Bonds 0 Innovative Perpetual Debt Instrument 0 Borrowings outside India 0 Reserve Bank of India 40.75 Infra Bonds 0 Others 50.08	Borrowings Break-Up Unsecured Redeemable NC Basel III 0 Reserve Bank Of India 0 Subordinated Debt 17.31 Upper Tier II Bonds 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Borrowings Outside India 0 0 Unsecured Redeemable Bonds 0 Innovative Perpetual Debt Instrument 0 Borrowings outside India 0 Reserve Bank of India 0 Infrastructure Bonds 10.16 Others 64.65
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up TREASURY 0 CORPORATE/ WHOLESALE BANKING 0 RETAIL BANKING 0 Others 100	Asset Break-Up TREASURY 26.98 CORPORATE/ WHOLESALE BANKING 32.4 RETAIL BANKING 35.69 Others 4.93
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	Priority vs Non-Priority Sector Non Priority Sector 0 Priority Sector 46.41 Non Priority Sector 53.59	-
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 Large Corporate & Other 0 Medium 0 Micro & Small 0	NPA Break-Up Priority Sector 0 Retail 10.65 Personal Loan 0 Agricultural 38.71 Medium 0 Micro & Small 0 Agricultural 0 Industrial & Commercial 0 Large Corporate & Other 0 MSME Sector 35.89 Services 0 Corporate 14.75 Others 0	NPA Break-Up Priority Sector 0 Retail 5.49 Personal Loan 0 Agricultural 75.18 Medium 0 Micro, Small and Medium Enterprises 18.46 Agricultural 0 Industrial & Commercial 0 Large Industries 0.87 MSME 0 Services 0 Corporate 0 Others 0

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