UCO Bank benchmarking: Perfomance to industry peers

Financial

	UCO Bank	Bank of Maharashtra	CentralBank of India
Operational Metrics
Banks
Net Interest Margin	2.9 %	3.85 %	2.89 %
Yield On Advances	8.06 %	9.19 %	8.36 %
Gross NPA	2.56 %	1.72 %	3.01 %
Net NPA	0.43 %	0.18 %	0.48 %
CASA Ratio	38.11 %	50.35 %	46.83 %
CASA vs Liabilities	31.53 %	41.74 %	41.35 %
Credit Deposit Ratio	75.47 %	82.03 %	64.35 %
Cost To Income Ratio	52.79 %	37.1 %	62.72 %
Fresh Slippages - Quarterly	629.0 Crs	710.0 Crs	733.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.89 %	18.13 %	17.34 %
Tier I Capital	15.9 %	14.96 %	14.98 %
Tier 2 Capital	1.99 %	3.17 %	2.36 %
NBFC
Cost of Borrowing	4.57 %	4.32 %	4.88 %
Financials
5 yr Average ROE	6.17 %	16.73 %	5.77 %
5yr average Equity Multiplier	11.6	15.54	13.76
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.97 %	12.49 %	4.67 %
5yr Avg Net Profit Margin	5.97 %	12.49 %	4.67 %
5yr CAGR Net Profit	76.11 %	57.52 %	n/a
5yr CAGR Sales	10.52 %	14.4 %	8.87 %
5 yr CAGR PPOP	7.79 %	18.66 %	12.19 %
Price to Book	1.31	1.43	0.92
P/E	16.4	7.37	7.7
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)	0.11 %	0.98 %	0.11 %

Business

	UCO Bank	Bank of Maharashtra	CentralBank of India
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 & Others 0 0 Agriculture Sector 0 Retail Sector 0 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0	Loan Break-Up Corporate Advances 0 Agricultural 13.13 Industrial & Commercial 0 Corporate 37.59 Personal Loan 0 Retail Advances 0 MSME Advances 0 Retail 30.89 MSME Sector 18.38 Agriculture Advances 0 Priority Sector 0 Agricultural 0 Services 0 Others 0.01	Loan Break-Up Corporate Banking 28.46 Agriculture Sector 0 Industrial & Commercial 0 Corporate & Others 0 Personal Loan 0 Consumer Finance 30.74 Small & Medium Enterprises (SME) loans 21.54 Retail Sector 0 0 Agricultural Loan 19.26 Priority Sector 0 Agricultural 0 Services 0
Segment Break-Up	Segment Break-Up Consumer Finance 37.51 Corporate Banking 34.94 Treasury Operations 27.41 Corporate/ Wholesale Banking 0 Others 0.14	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate Banking 33.19 Others 66.81	Segment Break-Up Corporate Banking 0 Treasury Operations 0 Consumer Finance 0 Corporate/ Wholesale Banking 0 Others 100
Location Wise Break-Up	Location Wise Break-Up India 93.9 Rest of the World 6.1	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Operating Profit Break-Up	Operating Profit Break-Up Treasury 44.14 Retail Banking 28.09 Corporate/Wholesale Banking 27.29 Corporate & Wholesale Banking 0 Others 0.48	Operating Profit Break-Up Retail Banking 36.57 Treasury 23.35 Corporate/Wholesale Banking 0 Corporate & Wholesale Banking 36.85 Others 3.23	-
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 17.43 Borrowings outside India 1.04 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 81.53	Borrowings Break-Up Reserve Bank Of India 0 Upper Tier II Bonds 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Borrowings Outside India 0 Unsecured Redeemable NC Basel III 0 Subordinated Debt 17.31 Infrastructure Bonds 10.16 Innovative Perpetual Debt Instrument 0 Borrowings outside India 0 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 0 Others 64.65	Borrowings Break-Up Reserve Bank Of India 0 Upper Tier II Bonds 0 0 Borrowings Outside India 0 Unsecured Redeemable NC Basel III 9.17 Subordinated Debt Bonds 0 Infra Bonds 0 Innovative Perpetual Debt Instrument 0 Borrowings outside India 0 0 Unsecured Redeemable Bonds 0 Reserve Bank of India 40.75 Others 50.08
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 32.4 TREASURY 26.98 RETAIL BANKING 35.69 Others 4.93	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 56.13 Priority Sector 43.87 Non priority sector 0 Priority Sector 0	-	Priority vs Non-Priority Sector Priority Sector 46.41 Non Priority Sector 0 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 Large Corporate & Other 0 Medium 0 Micro & Small 0 Retail 0 Agriculture 0 Corporate 0 MSME 0	NPA Break-Up MSME 0 Agricultural 75.18 Others 0 Industrial & Commercial 0 Retail 5.49 Personal Loan 0 Micro, Small and Medium Enterprises 18.46 Corporate 0 Medium 0 Priority Sector 0 Large Industries 0.87 Agricultural 0 Services 0	NPA Break-Up MSME Sector 36.55 Agricultural 38.27 Others 0 Industrial & Commercial 0 Retail 10.69 Personal Loan 0 Micro & Small 0 Corporate 14.49 Medium 0 Priority Sector 0 Large Corporate & Other 0 Agricultural 0 Services 0

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