| Key Financial Ratios of UCO Bank (in Rs. Cr.) |
Mar 25 |
Mar 24 |
Mar 23 |
Mar 22 |
Mar 21 |
|
| Per Share Ratios |
|
|
|
|
|
|
| Basic EPS (Rs.) |
2.04 |
1.38 |
1.56 |
0.80 |
0.17 |
|
| Diluted EPS (Rs.) |
2.04 |
1.38 |
1.56 |
0.80 |
0.17 |
|
| Cash EPS (Rs.) |
2.20 |
1.62 |
1.74 |
0.92 |
0.30 |
|
| Book Value [Excl. Reval Reserve]/Share (Rs.) |
22.30 |
20.37 |
19.20 |
17.45 |
17.46 |
|
| Book Value [Incl. Reval Reserve]/Share (Rs.) |
24.73 |
22.88 |
21.55 |
19.73 |
20.17 |
|
| Dividend/Share (Rs.) |
0.39 |
0.28 |
0.00 |
0.00 |
0.00 |
|
| Operating Revenue / Share (Rs.) |
19.99 |
18.28 |
14.76 |
12.53 |
14.57 |
|
| Net Profit/Share (Rs.) |
1.95 |
1.38 |
1.56 |
0.78 |
0.17 |
|
| Per Employee Ratios |
|
|
|
|
|
|
| Interest Income/ Employee (Rs.) |
11,908,837.19 |
10,185,652.40 |
8,134,629.14 |
6,930,350.56 |
6,562,851.99 |
|
| Net Profit/ Employee (Rs.) |
1,161,570.29 |
770,760.67 |
858,299.20 |
430,107.51 |
75,883.15 |
|
| Business/ Employee (Rs.) |
241,663,146.47 |
207,471,866.98 |
186,748,970.27 |
160,455,800.53 |
144,136,805.06 |
|
| Per Branch Ratios |
|
|
|
|
|
|
| Interest Income/ Branch (Rs.) |
75,868,375.91 |
67,660,482.35 |
55,037,475.21 |
48,735,649.97 |
46,796,727.57 |
|
| Net Profit/ Branches (Rs.) |
7,400,088.68 |
5,119,950.77 |
5,807,101.96 |
3,024,604.42 |
541,088.44 |
|
| Business/ Branches (Rs.) |
1,539,578,562.35 |
1,378,178,445.20 |
1,263,510,806.67 |
1,128,358,178.27 |
1,027,774,328.80 |
|
| Key Performance Ratios |
|
|
|
|
|
|
| ROCE (%) |
1.70 |
1.44 |
1.46 |
1.83 |
2.22 |
|
| CASA (%) |
35.82 |
37.45 |
36.78 |
39.42 |
39.15 |
|
| Net Profit Margin (%) |
9.75 |
7.56 |
10.55 |
6.20 |
1.15 |
|
| Operating Profit Margin (%) |
17.41 |
14.54 |
18.90 |
9.71 |
1.81 |
|
| Return on Assets (%) |
0.67 |
0.51 |
0.61 |
0.34 |
0.06 |
|
| Return on Equity / Networth (%) |
8.74 |
6.78 |
8.11 |
4.45 |
0.96 |
|
| Net Interest Margin (X) |
2.65 |
2.50 |
2.44 |
2.41 |
2.16 |
|
| Cost to Income (%) |
56.98 |
59.73 |
55.93 |
49.88 |
41.08 |
|
| Interest Income/Total Assets (%) |
6.91 |
6.75 |
5.86 |
5.59 |
5.70 |
|
| Non-Interest Income/Total Assets (%) |
1.21 |
1.00 |
0.83 |
1.15 |
1.46 |
|
| Operating Profit/Total Assets (%) |
-0.54 |
-0.49 |
-0.21 |
-0.81 |
-1.40 |
|
| Operating Expenses/Total Assets (%) |
2.20 |
2.09 |
1.83 |
1.78 |
1.49 |
|
| Interest Expenses/Total Assets (%) |
4.25 |
4.24 |
3.42 |
3.17 |
3.53 |
|
| Valuation Ratios |
|
|
|
|
|
|
| Enterprise Value (Rs. Cr) |
356,687.13 |
340,698.06 |
288,687.43 |
241,485.22 |
222,756.87 |
|
| EV Per Net Sales (X) |
14.23 |
15.59 |
16.36 |
16.12 |
15.42 |
|
| Price To Book Value (X) |
1.60 |
2.56 |
1.27 |
0.68 |
0.63 |
|
| Price To Sales (X) |
1.79 |
2.86 |
1.65 |
0.95 |
0.75 |
|
| Retention Ratios (%) |
79.99 |
79.75 |
100.00 |
100.00 |
100.00 |
|
| Earnings Yield (X) |
0.05 |
0.03 |
0.06 |
0.07 |
0.02 |
|
Source : Dion Global Solutions Limited
