UCO Bank

Financial

	UCO Bank	CentralBank of India	Bank of Maharashtra
Operational Metrics
Banking Sector
Net Interest Margin	2.96 %	3.16 %	3.95 %
Yield On Advances	8.26 %	8.58 %	9.28 %
Gross NPA	2.63 %	3.13 %	1.74 %
Net NPA	0.45 %	0.49 %	0.18 %
CASA Ratio	36.91 %	46.88 %	50.07 %
CASA vs Liabilities	30.14 %	41.79 %	41.58 %
Credit Deposit Ratio	75.38 %	62.55 %	79.04 %
Cost To Income Ratio	54.06 %	55.43 %	37.57 %
Fresh Slippages - Quarterly	608.0 Crs	839.0 Crs	727.0 Crs
Capital to Risks Assets Ratio (CRAR)	18.39 %	17.66 %	20.06 %
Tier I Capital	16.36 %	15.48 %	16.63 %
Tier 2 Capital	2.03 %	2.18 %	3.43 %
NBFC
Cost of Borrowing	4.73 %	4.95 %	4.26 %
Financials
5 yr Average ROE	6.17 %	5.77 %	16.73 %
5yr average Equity Multiplier	11.6	13.76	15.54
5yr Average Asset Turnover Ratio	0.07	0.07	0.07
5yr Avg Net Profit Margin	5.97 %	4.67 %	12.49 %
5yr Avg Net Profit Margin	5.97 %	4.67 %	12.49 %
5yr CAGR Net Profit	76.11 %	n/a	57.52 %
5yr CAGR Sales	10.52 %	8.87 %	14.4 %
5 yr CAGR PPOP	7.79 %	12.19 %	18.66 %
Price to Book	1.18	0.86	1.39
P/E	14.8	7.61	7.25
Shareholdings
Promoter Holding	90.95 %	89.27 %	79.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.44 %	-3.81 %	-11.37 %
Change in Mutual Fund Holding (3 Yrs)	0.12 %	0.19 %	0.82 %

Business

	UCO Bank	CentralBank of India	Bank of Maharashtra
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 Corporate & Others 0 0 Agriculture Sector 0 Retail Sector 0	Loan Break-Up 0 Agricultural 0 Corporate & Others 0 Retail Sector 0 Priority Sector 0 Consumer Finance 30.9 Services 0 Agriculture Sector 0 Personal Loan 0 Small & Medium Enterprises (SME) loans 21.92 Corporate Banking 27.93 Industrial & Commercial 0 Agricultural Loan 19.25	Loan Break-Up MSME Sector 18.65 Agricultural 0 Corporate 37.9 Retail 29.85 Priority Sector 0 Retail Advances 0 Services 0 Agricultural 13.6 Personal Loan 0 MSME Advances 0 Corporate Advances 0 Industrial & Commercial 0 Agriculture Advances 0
Segment Break-Up	Segment Break-Up Corporate Banking 50.06 Consumer Finance 25.52 Treasury Operations 24.34 Corporate/ Wholesale Banking 0 Others 0.08	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate/ Wholesale Banking 0 Others 100	Segment Break-Up Consumer Finance 0 Treasury Operations 0 Corporate Banking 0 Corporate Banking 33.26 Others 66.74
Location Wise Break-Up	Location Wise Break-Up India 94.07 Rest of the World 5.93	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 55.63 Corporate/Wholesale Banking 29.6 Retail Banking 14.25 Corporate & Wholesale Banking 0 Others 0.52	-	Operating Profit Break-Up Corporate/Wholesale Banking 0 Treasury 37.1 Retail Banking 29.79 Corporate & Wholesale Banking 33.1 Others 0.01
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 Borrowings Outside India 0 Infra Bonds 0 Subordinated Debt Bonds 0 0 0 Reserve Bank Of India 0 Others 81.53	Borrowings Break-Up Infra Bonds 0 0 Unsecured Redeemable Bonds 0 Borrowings Outside India 0 Borrowings outside India 0 Upper Tier II Bonds 0 Unsecured Redeemable NC Basel III 9.17 Reserve Bank Of India 0 Innovative Perpetual Debt Instrument 0 0 Subordinated Debt Bonds 0 Reserve Bank of India 40.75 Others 50.08	Borrowings Break-Up Infrastructure Bonds 10.16 0 Unsecured Redeemable Bonds 0 Borrowings Outside India 0 Borrowings outside India 0 Upper Tier II Bonds 0 Unsecured Redeemable NC Basel III 0 Reserve Bank Of India 0 Innovative Perpetual Debt Instrument 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Subordinated Debt 17.31 Reserve Bank of India 0 Others 64.65
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 53.59 Non Priority Sector 0	-
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 Large Corporate & Other 0 Medium 0 Micro & Small 0	NPA Break-Up MSME Sector 35.89 Medium 0 Micro & Small 0 Agricultural 0 Large Corporate & Other 0 Retail 10.65 Corporate 14.75 Priority Sector 0 Agricultural 38.71 Services 0 Personal Loan 0 Others 0 Industrial & Commercial 0	NPA Break-Up MSME 0 Medium 0 Micro, Small and Medium Enterprises 16.98 Agricultural 0 Large Industries 1.02 Retail 6.7 Corporate 0 Priority Sector 0 Agricultural 75.27 Services 0 Personal Loan 0 Others 0 Industrial & Commercial 0 Others 0.03
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 RETAIL BANKING 0 TREASURY 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 34.22 RETAIL BANKING 31.6 TREASURY 29.23 Others 4.95

UCO Bank

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