UCO Bank

UCOBANK

₹53.5

-0.09% (-0.05)

Market Cap

₹63,905 Cr.

P/E

37.79

UCO Bank

Financial
Business

Financial

	UCO Bank	CentralBank of India	Indian Bank
Operational Metrics
Banking Sector
Net Interest Margin	2.84 %	3.28 %	3.41 %
Yield On Advances	8.48 %	8.94 %	8.78 %
Gross NPA	3.85 %	4.5 %	4.47 %
Net NPA	0.98 %	1.27 %	0.53 %
CASA Ratio	37.61 %	48.98 %	39.67 %
CASA vs Liabilities	30.1 %	42.01 %	33.97 %
Credit Deposit Ratio	69.93 %	63.6 %	77.93 %
Cost To Income Ratio	60.72 %	56.91 %	46.9 %
Fresh Slippages - Quarterly	422.0 Crs	643.0 Crs	1429.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.01 %	14.74 %	15.58 %
Tier I Capital	13.53 %	12.17 %	12.88 %
Tier 2 Capital	2.48 %	2.57 %	2.7 %
NBFC
Cost of Borrowing	4.78 %	4.83 %	5.09 %
Financials
5 yr Average ROE	4.81 %	-7.16 %	7.74 %
5yr average Equity Multiplier	11.46	15.13	14.62
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	4.94 %	-4.2 %	6.35 %
5yr Avg Net Profit Margin	4.94 %	-4.2 %	6.35 %
5yr CAGR Net Profit	65.82 %	n/a	71.09 %
5yr CAGR Sales	2.44 %	3.4 %	20.16 %
5 yr CAGR PPOP	0.91 %	17.07 %	25.76 %
Price to Book	2.38	1.73	1.29
P/E	37.79	22.06	9.04
Shareholdings
Promoter Holding	95.39 %	93.08 %	73.84 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.95 %	3.3 %	-14.22 %
Change in Mutual Fund Holding (3 Yrs)	0.04 %	0.05 %	9.14 %

Business

	UCO Bank	CentralBank of India	Indian Bank
Loan Break-Up	Loan Break-Up Services 48.37 Personal Loan 25.31 Agricultural 13.47 Industrial & Commercial 11.91 Priority Sector 0.94 Corporate Advances 0 MSME Advances 0 Agriculture Advances 0 Retail Advances 0 Corporate Sector 0 MSME sector 0 Agriculture sector 0 Retail sector 0	Loan Break-Up Corporate Banking 33.05 Personal Loan 0 Agriculture sector 0 Consumer Finance 28.71 MSME sector 0 Corporate Sector 0 Priority Sector 0 Agricultural 0 Small & Medium Enterprises (SME) loans 19.61 Agricultural Loan 18.63 Services 0 Industrial & Commercial 0 Retail sector 0	Loan Break-Up Corporate Advances 0 Personal Loan 0 Agricultural 24.12 Retail Advances 0 MSME Sector 17.53 Corporate 37.42 Priority Sector 0 Agricultural 0 MSME Advances 0 Agriculture Advances 0 Services 0 Industrial & Commercial 0 Retail 20.92 Others 0.01
Segment Break-Up	Segment Break-Up Corporate Banking 37.98 Consumer Finance 31.41 Treasury Operations 30.54 Corporate/ Wholesale Banking 0 Others 0.07	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 34.3 Others 65.7
Location Wise Break-Up	Location Wise Break-Up India 93.03 Rest of the World 6.97	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 96.23 Rest of the World 3.77
Borrowings Break-Up	Borrowings Break-Up Borrowings outside India 1.4 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 RBI 0 Others 98.6	Borrowings Break-Up Upper Tier II Bonds 0 Borrowings outside India 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 RBI 0 Reserve Bank of India 21.17 Unsecured Redeemable NC Basel III 30.0 Others 48.83	Borrowings Break-Up Upper Tier II Bonds 0 Borrowings outside India 8.75 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable Bonds 0 RBI 0 Reserve Bank of India 0 Unsecured Redeemable NC Basel III 0 Others 91.25
Asset Break-Up	Asset Break-Up India 96.56 Others 3.44	Asset Break-Up India 0 Others 100	Asset Break-Up India 94.87 Others 5.13
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 60.42 Priority Sector 39.58 Non priority sector 0 Priority Sector 0	Priority vs Non-Priority Sector Priority Sector 47.53 Non Priority Sector 52.47 Non Priority Sector 0	-
NPA Break-Up	NPA Break-Up Agricultural 43.01 Services 28.54 Others 12.39 Industrial & Commercial 7.03 Priority Sector 1.2 Personal Loans 0 Corporate 0 MSME 0 Retail 0 Agriculture 0 Others 7.83	NPA Break-Up Corporate 38.2 Services 0 Priority Sector 0 MSME Sector 24.88 Retail 7.7 Personal Loans 0 Agricultural 0 Industrial & Commercial 0 Agricultural 29.21 Others 0 Others 0.01	NPA Break-Up Corporate 10.0 Services 0 Priority Sector 0 MSME 40.0 Personal Loan 10.0 Personal Loans 0 Agricultural 0 Industrial & Commercial 0 Agriculture 0 Others 0 Others 40.0

UCO Bank

UCO Bank

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