Nifty
Sensex
:
:
23587.50
78041.59
-364.20 (-1.52%)
-1176.46 (-1.49%)

Bank - Public

Rating :
N/A

BSE: 532505 | NSE: UCOBANK

44.18
20-Dec-2024
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  45.00
  •  45.60
  •  44.00
  •  45.24
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  4956288
  •  2217.00
  •  70.65
  •  39.15

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 52,881.20
  • 13.33
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 68,015.47
  • 0.63%
  • 2.11

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 95.39%
  • 0.09%
  • 3.03%
  • FII
  • DII
  • Others
  • 0.02%
  • 1.32%
  • 0.15%

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
  • 1.80
  • 1.80

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 19.22
  • 19.22
  • 19.22

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.80
  • 1.80
  • 1.80

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 10.82
  • 10.82
  • 10.82

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Interest Earned
6,078.36
5,218.82
16.47%
6,023.99
5,223.93
15.32%
5,859.70
4,987.41
17.49%
5,551.89
4,627.14
19.99%
Interest Exp.
3,778.02
3,302.27
14.41%
3,770.43
3,215.13
17.27%
3,672.34
3,015.30
21.79%
3,563.82
2,675.28
33.21%
Net Interest Income
2,300.34
1,916.55
20.03%
2,253.56
2,008.80
12.18%
2,187.36
1,972.11
10.91%
1,988.07
1,951.86
1.86%
NIM
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Other Income
993.07
646.79
53.54%
835.43
633.02
31.98%
1,124.91
959.53
17.24%
860.82
823.46
4.54%
Total Income
7,071.43
5,865.61
20.56%
6,859.42
5,856.95
17.12%
6,984.61
5,946.94
17.45%
6,412.71
5,450.60
17.65%
Operating Exp.
1,861.81
1,581.46
17.73%
1,767.76
1,439.47
22.81%
2,039.39
1,574.59
29.52%
1,729.75
1,421.41
21.69%
Operating Profit
1,431.60
981.88
45.80%
1,321.23
1,202.35
9.89%
1,272.88
1,357.05
-6.20%
1,119.14
1,353.91
-17.34%
Provision
492.84
342.09
44.07%
458.76
855.69
-46.39%
467.37
450.54
3.74%
342.25
332.43
2.95%
PBT
938.76
639.79
46.73%
862.47
346.66
148.79%
805.51
906.51
-11.14%
776.89
1,021.48
-23.94%
PBTM
15.44
12.26
25.94%
14.32
6.64
115.66%
13.75
18.18
-24.37%
13.99
22.08
-36.64%
TAX
336.02
238.12
41.11%
311.51
123.18
152.89%
279.74
325.27
-14.00%
274.06
368.51
-25.63%
PAT
602.74
401.67
50.06%
550.96
223.48
146.54%
525.77
581.24
-9.54%
502.83
652.97
-22.99%
PATM
9.92%
7.70%
9.15%
4.28%
8.97%
11.65%
9.06%
14.11%
EPS
0.50
0.34
47.06%
0.46
0.19
142.11%
0.44
0.49
-10.20%
0.42
0.55
-23.64%
Gross NPA
6,293.86
6,939.35
-9.30%
6,420.12
7,354.77
-12.71%
6,463.30
7,726.46
-16.35%
6,904.77
8,506.08
-18.83%
Gross NPA%
3.18
4.14
-23.19%
3.32
4.48
-25.89%
3.46
4.78
-27.62%
3.85
5.63
-31.62%
Net NPA
1,406.44
1,801.67
-21.94%
1,473.42
1,877.11
-21.51%
1,621.64
2,018.02
-19.64%
1,699.85
2,406.90
-29.38%
Net NPA%
0.73
1.11
-34.23%
0.78
1.18
-33.90%
0.89
1.29
-31.01%
0.98
1.66
-40.96%
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
8,729.33
8,100.78
7,343.13
6,472.95
5,479.70
Interest Earned
23,513.94
21,854.34
17,650.52
14,981.34
14,446.15
Interest Expended
14,784.61
13,753.56
10,307.39
8,508.39
8,966.45
Int. income Growth
11.21%
10.32%
13.44%
18.13%
 
Other Income
3,814.23
3,265.53
2,508.46
3,100.81
3,424.17
Total Income
27,328.17
11,366.31
9,851.59
9,573.76
8,903.87
Total Expenditure
7,398.71
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
5,144.85
2,849.78
3,122.63
1,915.33
58.93
EBITDA Margin
68.53%
35.18%
42.52%
29.59%
1.08%
Depreciation
0.00
280.92
217.52
164.96
134.42
PBT
3,383.63
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
1,201.33
915.11
1,042.77
820.60
-242.52
Tax Rate
35.50%
35.62%
35.89%
46.88%
321.26%
PAT
2,182.30
1,653.74
1,862.34
929.76
167.03
PAT before Minority Interest
2,182.30
1,653.74
1,862.34
929.76
167.03
Minority Interest
0.00
0.00
0.00
0.00
0.00
PAT Margin
17.40%
14.55%
18.90%
9.71%
1.88%
PAT Growth
17.37%
-11.20%
100.30%
456.64%
 
EPS
1.83
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
2,63,129.77
2,49,337.74
2,24,072.90
2,05,919.39
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
3,23,548.45
3,00,702.18
2,67,659.26
2,53,246.19
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
3,07,590.10
2,83,116.33
2,49,016.37
2,31,866.05
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
1,82,021.87
1,55,870.18
1,22,784.41
1,11,354.54
Other Assets
15,958.36
17,585.85
18,642.90
21,380.14
Total Assets
3,23,548.46
3,00,702.18
2,67,659.27
2,53,246.19
Contingent Liabilities
60,950.99
55,597.63
1,42,556.91
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 posts 50% jump in net profit in Q2
    21st Oct 2024, 12:41 PM

    Total income of the Bank increased by 20.56% at Rs 7,071.43 crore for Q2FY25

    Read More
  • UCO Bank - Quarterly Results
    19th Oct 2024, 15:34 PM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.