UCO Bank benchmarking: Perfomance to industry peers

Financial

	UCO Bank	CentralBank of India	Bank of Maharashtra
Operational Metrics
Banks
Net Interest Margin	3.08 %	2.96 %	3.88 %
Yield On Advances	8.06 %	8.15 %	8.92 %
Gross NPA	2.41 %	2.7 %	1.6 %
Net NPA	0.36 %	0.45 %	0.15 %
CASA Ratio	38.41 %	47.13 %	49.54 %
CASA vs Liabilities	31.46 %	39.92 %	40.52 %
Credit Deposit Ratio	78.56 %	70.18 %	85.03 %
Cost To Income Ratio	52.2 %	57.84 %	37.19 %
Fresh Slippages - Quarterly	452.0 Crs	658.0 Crs	749.0 Crs
Capital to Risks Assets Ratio (CRAR)	17.43 %	16.13 %	17.06 %
Tier I Capital	15.41 %	13.87 %	13.95 %
Tier 2 Capital	2.02 %	2.26 %	3.11 %
NBFC
Cost of Borrowing	4.48 %	4.77 %	4.1 %
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	1.15	0.83	1.41
P/E	14.35	6.74	7.28
Shareholdings
Promoter Holding	90.95 %	89.27 %	73.6 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-4.44 %	-3.81 %	-17.37 %
Change in Mutual Fund Holding (3 Yrs)	0.12 %	0.1 %	5.06 %

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 Industrial & Commercial 0 Small & Medium Enterprises (SME) loans 20.81 Corporate Banking 31.02 Retail Sector 0 Agricultural 0 Agriculture Sector 0 Corporate & Others 0 Agricultural Loan 18.29 Consumer Finance 29.87 Services 0 Priority Sector 0 0 Personal Loan 0 Others 0.01	Loan Break-Up Industrial & Commercial 0 MSME Advances 0 Corporate Advances 0 Retail 30.9 Agricultural 0 Agricultural 13.62 Corporate 36.52 Agriculture Advances 0 Retail Advances 0 Services 0 Priority Sector 0 MSME Sector 18.96 Personal Loan 0
Segment Break-Up	Segment Break-Up Corporate Banking 36.64 Consumer Finance 36.19 Treasury Operations 27.11 Corporate/ Wholesale Banking 0 Others 0.06	Segment Break-Up Consumer Finance 0 Corporate/ Wholesale Banking 0 Corporate Banking 0 Treasury Operations 0 Others 100	Segment Break-Up Consumer Finance 0 Corporate Banking 30.94 Corporate Banking 0 Treasury Operations 0 Others 69.06
Location Wise Break-Up	Location Wise Break-Up India 94.31 Rest of the World 5.64 Others 0.05	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 48.28 Corporate/Wholesale Banking 26.2 Retail Banking 25.15 Corporate & Wholesale Banking 0 Others 0.37	-	Operating Profit Break-Up Corporate/Wholesale Banking 0 Corporate & Wholesale Banking 36.85 Treasury 23.35 Retail Banking 36.57 Others 3.23
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 Upper Tier II Bonds 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 9.17 Borrowings Outside India 0 Reserve Bank of India 40.75 0 Innovative Perpetual Debt Instrument 0 Infra Bonds 0 Borrowings outside India 0 Subordinated Debt Bonds 0 0 Unsecured Redeemable Bonds 0 Others 50.08	Borrowings Break-Up Upper Tier II Bonds 0 Reserve Bank Of India 0 Unsecured Redeemable NC Basel III 0 Borrowings Outside India 0 Reserve Bank of India 0 Innovative Perpetual Debt Instruments (IPDI) 7.88 Innovative Perpetual Debt Instrument 0 Infrastructure Bonds 10.16 Borrowings outside India 0 Subordinated Debt 17.31 0 Unsecured Redeemable Bonds 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 Industrial & Commercial 0 Retail 11.09 Agricultural 38.78 Micro & Small 0 Agricultural 0 Corporate 10.81 Medium 0 Large Corporate & Other 0 Services 0 Others 0 MSME Sector 39.32 Priority Sector 0 Personal Loan 0	NPA Break-Up Industrial & Commercial 0 Retail 5.49 Agricultural 75.18 Micro, Small and Medium Enterprises 18.46 Agricultural 0 Corporate 0 Medium 0 Large Industries 0.87 Services 0 Others 0 MSME 0 Priority Sector 0 Personal Loan 0
Asset Break-Up	Asset Break-Up RETAIL BANKING 0 CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 0 TREASURY 0 RETAIL BANKING 0 Others 100	Asset Break-Up CORPORATE/ WHOLESALE BANKING 32.4 TREASURY 26.98 RETAIL BANKING 35.69 Others 4.93

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