UCO Bank

Financial

	UCO Bank	CentralBank of India	Indian Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.03 %	3.58 %	3.44 %
Yield On Advances	8.72 %	8.91 %	8.81 %
Gross NPA	3.46 %	4.5 %	3.95 %
Net NPA	0.89 %	1.2 %	0.43 %
CASA Ratio	39.25 %	50.02 %	40.77 %
CASA vs Liabilities	31.91 %	43.07 %	35.39 %
Credit Deposit Ratio	71.02 %	65.59 %	77.58 %
Cost To Income Ratio	60.72 %	57.91 %	47.99 %
Fresh Slippages - Quarterly	476.0 Crs	1175.0 Crs	1238.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.98 %	15.08 %	16.44 %
Tier I Capital	14.54 %	12.46 %	14.03 %
Tier 2 Capital	2.44 %	2.62 %	2.41 %
NBFC
Cost of Borrowing	4.83 %	4.85 %	5.13 %
Financials
5 yr Average ROE	5.37 %	1.97 %	10.68 %
5yr average Equity Multiplier	11.57	14.47	14.42
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.37 %	1.77 %	8.61 %
5yr Avg Net Profit Margin	5.37 %	1.77 %	8.61 %
5yr CAGR Net Profit	62.91 %	n/a	57.77 %
5yr CAGR Sales	7.05 %	5.43 %	21.04 %
5 yr CAGR PPOP	1.98 %	11.2 %	21.13 %
Price to Book	2.37	1.68	1.2
P/E	38.57	20.35	8.6
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
Segment Break-Up	Segment Break-Up Corporate Banking 40.95 Treasury Operations 33.63 Consumer Finance 25.35 Corporate/ Wholesale Banking 0 Others 0.07	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Corporate/ Wholesale Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 0 Corporate Banking 34.55 Treasury Operations 0 Others 65.45
Loan Break-Up	Loan Break-Up Personal Loan 57.66 Services 16.65 Agricultural 13.19 Industrial & Commercial 11.57 Priority Sector 0.93 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 MSME sector 0 Agricultural Loan 18.3 Agricultural 0 Corporate Banking 33.61 Agriculture sector 0 Small & Medium Enterprises (SME) loans 19.81 Consumer Finance 28.28 Priority Sector 0 Corporate Sector 0 Personal Loan 0 Retail sector 0 Industrial & Commercial 0 Services 0	Loan Break-Up MSME Sector 16.89 Agriculture Advances 0 Agricultural 0 Corporate Advances 0 Agricultural 24.3 MSME Advances 0 Retail Advances 0 Priority Sector 0 Corporate 37.79 Personal Loan 0 Retail 21.02 Industrial & Commercial 0 Services 0
Location Wise Break-Up	Location Wise Break-Up India 92.9 Rest of the World 7.1	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 96.45 Rest of the World 3.55
Borrowings Break-Up	Borrowings Break-Up Reserve Bank of India 16.39 Borrowings outside India 1.57 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0 Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 RBI 0 Others 82.04	Borrowings Break-Up Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 RBI 0 Reserve Bank of India 21.17 Borrowings outside India 0 Unsecured Redeemable NC Basel III 30.0 Innovative Perpetual Debt Instrument 0 Others 48.83	Borrowings Break-Up Upper Tier II Bonds 0 Unsecured Redeemable Bonds 0 RBI 88.37 Reserve Bank of India 0 Borrowings outside India 11.63 Unsecured Redeemable NC Basel III 0 Innovative Perpetual Debt Instrument 0
Priority vs Non-Priority Sector	Priority vs Non-Priority Sector Non Priority Sector 60.53 Priority Sector 39.47 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	-
Asset Break-Up	Asset Break-Up India 95.38 Others 4.62	Asset Break-Up India 0 Others 100	Asset Break-Up India 95.12 Others 4.88
NPA Break-Up	NPA Break-Up Agricultural 50.55 Services 35.18 Personal Loan 11.67 Priority Sector 2.03 Industrial & Commercial 0.57 Others 0 Corporate 0 MSME 0 Retail 0 Agriculture 0	NPA Break-Up Agricultural 0 MSME Sector 26.53 Retail 7.65 Corporate 36.53 Priority Sector 0 Personal Loan 0 Agricultural 29.29 Others 0 Industrial & Commercial 0 Services 0	NPA Break-Up Agricultural 0 MSME 41.0 Personal Loan 10.0 Corporate 9.0 Priority Sector 0 Personal Loan 0 Agriculture 0 Others 0 Industrial & Commercial 0 Services 0 Others 40.0

UCO Bank

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