UCO Bank benchmarking: Performance to industry peers

Financial

	UCO Bank	CentralBank of India	Punjab & Sind Bank
Operational Metrics
Banks
Net Interest Margin	3.0 %	3.25 %	2.49 %
Yield On Advances	7.82 %	7.78 %	8.05 %
Gross NPA	2.17 %	2.67 %	2.4 %
Net NPA	0.27 %	0.49 %	0.79 %
CASA Ratio	38.65 %	47.3 %	30.77 %
CASA vs Liabilities	31.98 %	40.28 %	25.03 %
Credit Deposit Ratio	80.21 %	72.02 %	79.48 %
Cost To Income Ratio	52.66 %	59.31 %	61.32 %
Fresh Slippages - Quarterly	484.0 Crs	1301.0 Crs	355.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.61 %	17.91 %	17.42 %
Tier I Capital	16.59 %	15.61 %	15.9 %
Tier 2 Capital	2.02 %	2.3 %	1.49 %
NBFC
Cost of Borrowing	4.47 %	4.72 %	5.44 %
Financials
5 yr Average ROE	6.17 %	5.77 %	8.38 %
5yr average Equity Multiplier	11.6	13.76	10.4
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.97 %	4.67 %	10.09 %
5yr Avg Net Profit Margin	5.97 %	4.67 %	10.09 %
5yr CAGR Net Profit	76.11 %	33.28 %	4.93 %
5yr CAGR Sales	10.52 %	10.48 %	11.3 %
5 yr CAGR PPOP	7.79 %	12.19 %	10.4 %
Price to Book	1.01	0.76	1.25
P/E	12.12	6.52	13.41
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)	0.19 %	0.17 %	0.06 %

Business

	UCO Bank	CentralBank of India	Punjab & Sind Bank
Segment Break-Up	Segment Break-Up Corporate Banking 38.62 Consumer Finance 36.68 Treasury Operations 24.61 Others 0.09	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Treasury Operations 0 Others 100
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 Consumer Finance 30.05 Personal loans 0 Agriculture and allied 0 Advances to industries sector 0 Personal Loan 0 Industrial & Commercial 0 Corporate Banking 31.91 Small & Medium Enterprises (SME) loans 20.13 Agricultural 0 Services 0 Agricultural Loan 17.91 Priority Sector 0	Loan Break-Up Retail Advances 0 Personal Loan 23.34 Agricultural 14.1 Advances to industries 21.36 Personal Loan 0 Industrial & Commercial 0 Corporate Advances 0 MSME Advances 0 Agricultural 0 Services 0 Agriculture Advances 0 Priority Sector 0 Others 41.2
Location Wise Break-Up	Location Wise Break-Up India 94.48 Rest of the World 5.52	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 68.04 Corporate/Wholesale Banking 16.07 Retail Banking 15.37 Corporate / Wholesale Banking 0 Others 0.52	-	Operating Profit Break-Up Corporate / Wholesale Banking 32.04 Treasury 13.35 Retail Banking 52.67 Corporate/Wholesale Banking 0 Others 1.94
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 Institutions & Agencies 0 Innovative Perpetual Debt Instrument 0 Reserve Bank Of India 0 Upper Tier II Bonds 0 Reserve Bank of India 40.75 Borrowings outside India 0 Unsecured Redeemable Bonds 0 Unsecured Redeemable NC Basel III 9.17 Bonds 0 Subordinated Debt 0 Others 50.08	Borrowings Break-Up Institutional Business 53.71 Innovative Perpetual Debt Instrument 0 Reserve Bank of India 16.51 Upper Tier II Bonds 0 Reserve Bank of India 0 Borrowings outside India 0 Unsecured Redeemable Bonds 0 Unsecured Redeemable NC Basel III 0 Bonds 21.08 Subordinated Debt 8.7
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 40.42 Others 0 Corporate 9.16 Agricultural 39.68 Agriculture and allied 0 Advances to industries sector 0 Industrial & Commercial 0 Personal Loan 0 Retail 10.73 Agricultural 0 Services 0 Priority Sector 0 Others 0.01	NPA Break-Up MSME 0 Others 0 Corporate 7.63 Agriculture 0 Agricultural 43.45 Advances to industries 38.15 Industrial & Commercial 0 Personal Loan 0 Retail 10.77 Agricultural 0 Services 0 Priority Sector 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 Priority Sector 46.41 Non Priority Sector 0 Non Priority Sector 0	Priority vs Non-Priority Sector Non priority sector 0 Priority Sector 36.95 Non Priority Sector 63.05 Non Priority Sector 0
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 38.43 Retail Banking 37.71 Others 23.86	Asset Break-Up Corporate / Wholesale Banking 29.09 Treasury 28.0 Retail Banking 41.51 Others 1.4

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