UCO Bank

Financial

	UCO Bank	CentralBank of India	Indian Bank
Operational Metrics
Banking Sector
Net Interest Margin	3.03 %	3.58 %	3.41 %
Yield On Advances	8.72 %	8.91 %	8.78 %
Gross NPA	3.46 %	4.5 %	4.47 %
Net NPA	0.89 %	1.2 %	0.53 %
CASA Ratio	39.25 %	50.02 %	39.67 %
CASA vs Liabilities	31.91 %	43.07 %	33.97 %
Credit Deposit Ratio	71.02 %	65.59 %	77.93 %
Cost To Income Ratio	60.72 %	57.91 %	46.9 %
Fresh Slippages - Quarterly	476.0 Crs	1175.0 Crs	1429.0 Crs
Capital to Risks Assets Ratio (CRAR)	16.98 %	15.08 %	15.58 %
Tier I Capital	14.54 %	12.46 %	12.88 %
Tier 2 Capital	2.44 %	2.62 %	2.7 %
NBFC
Cost of Borrowing	4.83 %	4.85 %	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	2.47	1.77	1.39
P/E	19.59	21.54	9.69
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 Agriculture sector 0 Consumer Finance 28.71 Agricultural 0 Small & Medium Enterprises (SME) loans 19.61 Services 0 Retail sector 0 Corporate Banking 33.05 Industrial & Commercial 0 Personal Loan 0 MSME sector 0 Priority Sector 0 Corporate Sector 0 Agricultural Loan 18.63	Loan Break-Up Agricultural 24.12 Retail Advances 0 Agricultural 0 MSME Advances 0 Services 0 Retail 20.92 Corporate Advances 0 Industrial & Commercial 0 Personal Loan 0 MSME Sector 17.53 Priority Sector 0 Corporate 37.42 Agriculture Advances 0 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 Corporate/ Wholesale Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Corporate Banking 0 Consumer Finance 0 Corporate Banking 34.3 Treasury Operations 0 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 Unsecured Redeemable Bonds 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable NC Basel III 30.0 RBI 0 Borrowings outside India 0 Reserve Bank of India 21.17 Upper Tier II Bonds 0 Others 48.83	Borrowings Break-Up Unsecured Redeemable Bonds 0 Innovative Perpetual Debt Instrument 0 Unsecured Redeemable NC Basel III 0 RBI 0 Borrowings outside India 8.75 Reserve Bank of India 0 Upper Tier II Bonds 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 Non Priority Sector 52.47 Priority Sector 47.53 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 Agricultural 0 Personal Loans 0 Services 0 Retail 7.7 Others 0 Industrial & Commercial 0 MSME Sector 24.88 Corporate 38.2 Priority Sector 0 Agricultural 29.21 Others 0.01	NPA Break-Up Agricultural 0 Personal Loans 0 Services 0 Personal Loan 10.0 Others 0 Industrial & Commercial 0 MSME 40.0 Corporate 10.0 Priority Sector 0 Agriculture 0 Others 40.0

UCO Bank

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