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UCO Bank

UCO Bank's net profit rose 2.60% to INR -43.2 bil in 2018

By Helgi Library - November 2, 2019

UCO Bank made a net profit of INR -43.2 bil under revenues of INR 58.2 bil in 2018, up 2.60% and 37.0% respectively compared to the p...

UCO Bank's net profit rose 2.60% to INR -43.2 bil in 2018

By Helgi Library - November 2, 2019

UCO Bank made a net profit of INR -43.2 bil under revenues of INR 58.2 bil in 2018, up 2.60% and 37.0% respectively compared to the p...

UCO Bank's npls (as % of loans) rose 20.7% to 30.1% in 2018

By Helgi Library - November 2, 2019

UCO Bank's non-performing loans reached 30.1% of total loans at the end of 2018, up from 24.9% compared to the previous year. ...

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UCO Bank's npls (as % of loans) rose 20.7% to 30.1% in 2018

By Helgi Library - November 2, 2019

UCO Bank's non-performing loans reached 30.1% of total loans at the end of 2018, up from 24.9% compared to the previous year. Historically, the NPL ratio hit an all time high of 30.1% in 2018 and an all time low of 1.66% in 2010. Provision coverage amounted...

UCO Bank's net interest margin rose 38.0% to 1.93% in 2018

By Helgi Library - November 2, 2019

UCO Bank's net interest margin amounted to 1.93% in 2018, up from 1.40% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.05% in 2003 and an all time low of 1.40% in 2017. The average margin in the...

UCO Bank's net interest margin rose 38.0% to 1.93% in 2018

By Helgi Library - November 2, 2019

UCO Bank's net interest margin amounted to 1.93% in 2018, up from 1.40% compared to the previous year. Historically, the bank’s net interest margin reached an all time high of 3.05% in 2003 and an all time low of 1.40% in 2017. The average margin in the...

UCO Bank's capital adequacy ratio fell 2.19% to 10.7% in 2018

By Helgi Library - November 2, 2019

UCO Bank's capital adequacy ratio reached 10.7% at the end of 2018, down from 10.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 21.7% in 2008 and an all time low of 9.63% in 2015. The Tier 1 ratio amounted to ...

UCO Bank's capital adequacy ratio fell 2.19% to 10.7% in 2018

By Helgi Library - November 2, 2019

UCO Bank's capital adequacy ratio reached 10.7% at the end of 2018, down from 10.9% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 21.7% in 2008 and an all time low of 9.63% in 2015. The Tier 1 ratio amounted to ...

UCO Bank's customer loan growth rose 25.9% to -7.59% in 2018

By Helgi Library - November 2, 2019

UCO Bank's customer loan growth reached -7.59% in 2018, up from -10.2% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 38.0% in 2004 and an all time low of -14.6% in 2015. In the last decade, the average an...

UCO Bank's customer loan growth rose 25.9% to -7.59% in 2018

By Helgi Library - November 2, 2019

UCO Bank's customer loan growth reached -7.59% in 2018, up from -10.2% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 38.0% in 2004 and an all time low of -14.6% in 2015. In the last decade, the average an...

UCO Bank's net interest income rose 37.8% to INR 43.2 bil in 2018

By Helgi Library - November 2, 2019

UCO Bank generated total banking revenues of INR 58.2 bil in 2018, up 37% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 75.7 bil in 2014 and an all time...

UCO Bank's net interest income rose 37.8% to INR 43.2 bil in 2018

By Helgi Library - November 2, 2019

UCO Bank generated total banking revenues of INR 58.2 bil in 2018, up 37% compared to the previous year. Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 75.7 bil in 2014 and an all time...

UCO Bank's customer deposits rose 8.83% to INR 1,818 bil in 2018

By Helgi Library - November 2, 2019

UCO Bank's customer deposits reached INR 1,818 bil in 2017, down 9.66% compared to the previous year. Indian banking sector accepted customer deposits of INR 110,303 bil in 2017, up 3.61% when compared to the last year. UCO Bank accounted for 1.65% of all...

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Finance

UCO Bank has been growing its revenues and asset by 8.12% and 7.52% a year on average in the last 10 years. Its loans and deposits have grown by 3.74% and 7.04% a year during that time and loans to deposits ratio reached 50.2% at the end of 2018. The company achieved an average return on equity of -1.47% in the last decade with net profit growing % a year on average. In terms of operating efficiency, its cost to income ratio reached 28.1% in 2018, compared to 47.7% average in the last decade.

Equity represented 7.55% of total assets or 17.5% of loans at the end of 2018. UCO Bank's non-performing loans were 30.1% of total loans while provisions covered some 0.006% of NPLs at the end of 2018.

Valuation

UCO Bank stock traded at INR 26.3 per share at the end of 2018 resulting in a market capitalization of USD 1,461 mil. Over the previous five years, stock price fell by 72.3% or 22.7% a year on average. That’s compared to an average ROE of -17.2% the bank generated for its shareholders. This closing price put stock at a 12-month trailing price to earnings (PE) of x and price to book value (PBV) of 0.586x in 2018.