Nifty
Sensex
:
:
24502.15
80519.34
186.20 (0.77%)
622.00 (0.78%)

Bank - Public

Rating :
62/99

BSE: 532505 | NSE: UCOBANK

54.54
05-Jul-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  54.28
  •  55.45
  •  54.25
  •  53.91
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  9989864
  •  5460.94
  •  70.65
  •  27.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 64,980.63
  • 38.87
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 80,114.90
  • 0.52%
  • 2.68

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 95.39%
  • 0.13%
  • 2.99%
  • FII
  • DII
  • Others
  • 0.03%
  • 1.32%
  • 0.14%

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 5.15
  • -36.19
  • -12.40

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 3.81
  • -
  • 21.16

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 1.68
  • 1.68

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 19.89
  • 20.69
  • 20.69

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.53
  • 1.68
  • 1.68

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.96
  • 9.93
  • 9.93

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Interest Earned
5,859.70
4,987.41
17.49%
5,551.89
4,627.14
19.99%
5,218.82
4,184.89
24.71%
5,223.93
3,851.07
35.65%
Interest Exp.
3,672.34
3,015.30
21.79%
3,563.82
2,675.28
33.21%
3,302.27
2,415.29
36.72%
3,215.13
2,201.53
46.04%
Net Interest Income
2,187.36
1,972.11
10.91%
1,988.07
1,951.86
1.86%
1,916.55
1,769.60
8.30%
2,008.80
1,649.54
21.78%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
1,124.91
959.53
17.24%
860.82
823.46
4.54%
646.79
779.95
-17.07%
633.02
-54.48
-
Total Income
6,984.61
5,946.94
17.45%
6,412.71
5,450.60
17.65%
5,865.61
4,964.84
18.14%
5,856.95
3,796.59
54.27%
Operating Exp.
2,039.39
1,574.59
29.52%
1,729.75
1,421.41
21.69%
1,581.46
1,359.77
16.30%
1,439.47
1,155.12
24.62%
Operating Profit
1,272.88
1,357.05
-6.20%
1,119.14
1,353.91
-17.34%
981.88
1,189.78
-17.47%
1,202.35
439.94
173.30%
Provision
467.37
450.54
3.74%
342.25
332.43
2.95%
342.09
405.77
-15.69%
855.69
246.84
246.66%
PBT
805.51
906.51
-11.14%
776.89
1,021.48
-23.94%
639.79
784.01
-18.40%
346.66
193.10
79.52%
PBTM
13.75
18.18
-24.37%
13.99
22.08
-36.64%
12.26
18.73
-34.54%
6.64
5.01
32.53%
TAX
279.74
325.27
-14.00%
274.06
368.51
-25.63%
238.12
279.49
-14.80%
123.18
69.49
77.26%
PAT
525.77
581.24
-9.54%
502.83
652.97
-22.99%
401.67
504.52
-20.39%
223.48
123.61
80.79%
PATM
8.97%
11.65%
9.06%
14.11%
7.70%
12.06%
4.28%
3.21%
EPS
0.44
0.49
-10.20%
0.42
0.55
-23.64%
0.34
0.42
-19.05%
0.19
0.10
90.00%
Gross NPA
6,463.30
7,726.46
-16.35%
6,904.77
8,506.08
-18.83%
6,939.35
9,358.92
-25.85%
7,354.77
9,739.65
-24.49%
Gross NPA%
3.46
4.78
-27.62%
3.85
5.63
-31.62%
4.14
6.58
-37.08%
4.48
7.42
-39.62%
Net NPA
1,621.64
2,018.02
-19.64%
1,699.85
2,406.90
-29.38%
1,801.67
2,700.29
-33.28%
1,877.11
3,103.82
-39.52%
Net NPA%
0.89
1.29
-31.01%
0.98
1.66
-40.96%
1.11
1.99
-44.22%
1.18
2.49
-52.61%
CASA
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Net Interest Income
-
8,100.78
7,343.13
6,472.95
5,479.70
Interest Earned
-
21,854.34
17,650.52
14,981.34
14,446.15
Interest Expended
-
13,753.56
10,307.39
8,508.39
8,966.45
Int. income Growth
-
10.32%
13.44%
18.13%
 
Other Income
-
3,265.53
2,508.46
3,100.81
3,424.17
Total Income
-
11,366.31
9,851.59
9,573.76
8,903.87
Total Expenditure
-
8,516.53
6,728.96
7,658.43
8,844.94
Employee Cost
-
4,886.67
3,872.74
3,314.31
3,442.65
% Of Sales
-
22.36%
21.94%
22.12%
23.83%
Opt. & Establishment Exp.
-
2,184.31
1,855.70
1,626.97
1,446.58
% Of Sales
-
9.99%
10.51%
10.86%
10.01%
Provisions
-
2,007.39
1,435.56
3,047.07
4,224.55
% Of Sales
-
9.19%
8.13%
20.34%
29.24%
EBITDA
-
2,849.78
3,122.63
1,915.33
58.93
EBITDA Margin
-
35.18%
42.52%
29.59%
1.08%
Depreciation
-
280.92
217.52
164.96
134.42
PBT
-
2,568.85
2,905.11
1,750.36
-75.49
Exceptional Inc./Exp.
-
0.00
0.00
0.00
0.00
Provision for Tax
-
915.11
1,042.77
820.60
-242.52
Tax Rate
-
35.62%
35.89%
46.88%
321.26%
PAT
-
1,653.74
1,862.34
929.76
167.03
PAT before Minority Interest
-
1,653.74
1,862.34
929.76
167.03
Minority Interest
-
0.00
0.00
0.00
0.00
PAT Margin
-
14.55%
18.90%
9.71%
1.88%
PAT Growth
-
-11.20%
100.30%
456.64%
 
EPS
-
1.38
1.56
0.78
0.14

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 24
Mar 23
Mar 22
Mar 21
Shareholder's Funds
27,213.79
25,603.70
23,468.74
22,516.50
Share Capital
11,955.96
11,955.96
11,955.96
9,918.34
Total Reserves
15,257.83
13,647.74
11,512.78
9,998.16
Minority Interest
0.00
0.00
0.00
0.00
Deposits
263,129.77
249,337.74
224,072.90
205,919.39
Borrowings
25,331.44
20,501.08
13,508.14
15,382.63
Other Liabilities & Provisions
7,873.45
5,259.66
6,609.48
9,427.67
Total Liabilities
323,548.45
300,702.18
267,659.26
253,246.19
Net Block
3,716.63
3,444.50
3,287.09
3,151.20
Gross Block
6,327.58
5,809.11
5,430.13
5,212.35
Accumulated Depreciation
2,610.95
2,364.62
2,143.03
2,061.15
Total Non-Current Assets
307,590.10
283,116.33
249,016.37
231,866.05
Lease Adjustment A/c
0.00
0.00
0.00
0.00
Capital Work in Progress
64.84
65.01
47.83
67.03
Cash and balance with RBI
10,197.17
10,300.01
10,287.55
9,445.41
Balance with banks and money at call
18,828.19
18,428.09
15,860.44
14,154.83
Investments
92,761.40
95,008.54
96,749.05
93,693.04
Advances
182,021.87
155,870.18
122,784.41
111,354.54
Other Assets
15,958.36
17,585.85
18,642.90
21,380.14
Total Assets
323,548.46
300,702.18
267,659.27
253,246.19
Contingent Liabilities
60,950.99
55,597.63
142,556.91
73,353.47
Bills for collection
8,001.36
8,184.43
8,039.45
7,109.67
Adjusted Book Value
20.25
19.07
17.34
17.37

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 24
Mar 23
Mar 22
Mar 21
Cash From Operating Activity
1,001.75
2,982.91
4,398.66
2,422.10
PBT
2,586.66
2,869.06
1,715.52
-106.29
Adjustment
3,125.50
3,362.07
4,610.45
5,398.71
Adjustments for Liabilities & Assets
-4,710.42
-3,248.22
-1,927.31
-2,870.32
Refund/(Payment) of direct taxes
0.00
0.00
0.00
0.00
Other Direct Payments
0.00
0.00
0.00
0.00
Cash From Investing Activity
-294.92
-267.32
-199.81
-154.52
Net Fixed Assets
-518.30
-396.16
-198.58
Other Investment Activity
-6659.74
-6073.93
-5632.48
Cash from Financing Activity
-429.53
-335.77
-1,636.54
3,265.73
Closing Cash & Equivalent
29,025.36
28,728.10
26,147.99
23,600.24
Net Cash Inflow / Outflow
277.30
2,379.82
2,562.31
5,533.30
Opening Cash & Equivalents
28,728.10
26,147.99
23,600.24
17,806.16

Financial Ratios

Standalone /

Consolidated
Description
Mar 24
Mar 23
Mar 22
Mar 21
Book Value
20.25
19.07
17.34
17.37
NIM
2.67
2.63
2.63
2.40
Yield on Advances
12.01
11.32
12.20
12.97
Yield on Investments
6.86
6.02
5.90
8.39
Cost of Liabilities
4.77
3.82
3.58
4.05
Interest Spread
7.24
7.50
8.62
8.92
ROCE
9.10%
9.14%
5.77%
1.12%
Cost Income Ratio
59.74
55.94
49.89
53.40
Core Cost Income Ratio
63.12
54.21
51.20
64.22
Operating Costs to Assets
2.10
1.83
1.78
1.88
Loans/Deposits
0.10
0.08
0.06
0.07
Cash/Deposits
0.04
0.04
0.05
0.05
Investment/Deposits
0.35
0.38
0.43
0.45
Inc Loan/Deposits
9.63%
8.22%
6.03%
7.47%
Credit Deposits
69.18%
62.51%
54.80%
54.08%
Interest Expended / Interest earned
62.93%
58.40%
56.79%
62.07%
Interest income / Total funds
6.75%
5.87%
5.60%
5.70%
Interest Expended / Total funds
4.25%
3.43%
3.18%
3.54%
CASA
37.45%
36.79%
39.42%
39.16%

News Update:


  • UCO Bank reports 10% fall in Q4 net profit
    30th Apr 2024, 14:52 PM

    Total income of the bank increased by 17.45% at Rs 6984.61 crore for Q4FY24

    Read More
  • UCO Bank - Quarterly Results
    29th Apr 2024, 19:31 PM

    Read More

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