7.

Total advances to total deposits ratio

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Advances 119724.45 125905.36 147350.86 149584.21
Deposits 201285 207118 214337 199534
Total advances/Total Deposits 0.59 0.61 0.69 0.7497

Deposits -4.91 -14.55 -1.49 16.60

Advances -2.82 -3.37 7.42 15.05
Total advances/Total Deposits -2.15 -11.58 -8.30 1.35

1.Capital Adequacy ratio(%)

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Credit Risk 91936.32 98067.79 105682 98911.4
Market Risk 14115.93 19178.98 10871.6 9345.2
Operational Risk 13279.75 12702.33 9826.8 8380.3
Risk Weighted Assets 119332 207118 126380.4 116,637
Tier I Capital 9868.74 9915.83 11431.59 10157.22
Tier II Capital 3176.36 2598.98 3944.71 4627.31
Total Capital 13045.1 12514.81 15376.29 14784.53
CAR= (Tier-I + Tier-II)/RWA 10.93 9.63 12.17 12.68
CAR Req. A/c to RBI 10.25 9 9 9

Total Capital 4.24 -18.61 4.00 3.40

Risk Weighted Assets -42.38 63.88 8.35 15.43
CAR= (Tier-I + Tier-II)/RWA 13.50 -20.87 -4.02 -10.39

1699.36 2335.81 4035.17

122415.55 6263.84 3429.55 132108.94
Mar-17,Mar-16,Mar-15,Mar-14,Mar-13 234.2400

2.Debt to equity ratio(times)

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Total Outside Liabilities 218586.23 232360.58 233367.96 227898.47
Net Worth 3432.6 4933.01 7694.33 6792.65
D/E Ratio = Total Outside Liabilities/ Net 63.68 47.10 30.33 33.55

Total Outside Liabilities -5.93 -0.43 2.40 20.60

Net Worth -30.42 -35.89 13.27 -3.69
D/E Ratio = Total Outside Liabilities/ Net 35.19 55.30 -9.60 25.22

3.Total advances to total assets ratio(%)

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Total Advances 119724.45 125905.36 147350.86 149584.21

Total Assets 231339.7 244882.5 245916.9 239124.75

Total Advances/ Total Assets 51.75 51.41 59.92 62.55
119724.46 125905.37 147350.87 149584.22
119724.45 125905.37 147350.87 149584.21
Total Advances -4.91 -14.55 -1.49 16.60
Total Assets -5.53 -0.42 2.84 20.37
Total Advances/ Total Assets 0.66 -14.19 -4.21 -3.13

5.Net NPA to net advances ratio(%)

 % change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Net advances 119724.45 125905.36 147350.86 149584.21
Net NPA 10703.39 11444 6330.58 3556.43
Net NPA/ net advances 8.94 9.09 4.30 2.38

Net NPA -6.47 80.77 78.00 -12.60

Net advances -4.91 -14.55 -1.49 16.60
Net NPA/ net advances -1.64 111.56 80.70 -25.05

6.Total investment to total assets ratio(%)

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Total assets 231339.7 244882.5 245916.9 239124.75
total investment 74019.12 83974.2 68859.43 67451.69
Total investment/ total assets 32.00 34.29 28.00 28.21

total investment -11.85 21.95 2.09 29.11

Total assets -5.53 -0.42 2.84 20.37
Total investment/ total assets -6.69 22.47 -0.73 7.25

43521.43 678.55 42842.88

4.Net NPA to total assets ratio(%)
% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Net NPA 10703.39 11444 6330.58 3556.43
Total assets 231339.7 244882.5 245916.9 239124.75
Net NPA/ total assets 4.63 4.67 2.57 1.49
238111.12 245399.72 242520.8 218888.1
Net NPA -6.47 80.77 78.00 -12.60
Total assets -5.53 -0.42 2.84 20.37
Net NPA/ total assets -1.00 81.54 73.09 -27.40

8.Profit per Employee ratio

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
PAT -1850.67 -2799.25 1137.8 1510.54
No of Employees 24620 24724 25236 24557
Profit per Employee=PAT/No of Employees -0.08 -0.11 0.05 0.06
-948.58 3937.05
PAT -33.89 -346.02 -24.68 144.34
Current no of Employees -0.42 -2.03 2.76 1.47
Profit per Employee=PAT/No of Employees -33.61 -351.12 -26.70 140.80
 9.Business per Employee ratio
% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Total Revenue 18440.29 20157.28 21362.54 19550.42
No of Employees 24620 24724 25236 24557
Business per Employee=Total Revenue/Cur 0.75 0.82 0.85 0.80

Total Revenue -8.52 -5.64 9.27 10.43

Current no of Employees -0.42 -2.03 2.76 1.47
Business per Employee=Total Revenue/Cur -8.13 -3.69 6.33 8.83

10.Operating Profit to average working funds ratio

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Operating Profit 2926 3603 4910.22 4940.39
average working funds 2458.82 2237.89 2360.68 2148.00
Operating Profit/average working funds 1.19 1.61 2.08 2.30

Operating Profit -18.79 -26.62 -0.61 47.16

average working funds 9.87 -5.20 9.90 13.89
Operating Profit/average working funds -26.09 -22.60 -9.57 29.21

11.Spread ratio(%)
% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Interest Income 16326 18561 19359 18230
Interest Expense 12509.01 13712.95 13796.53 12170.82
Interest Income-Interest Expense 3816.99 4848.05 5562.47 6059.18
Average Total Asset 238111.12 245399.72 242520.8 218888.1
(Interest Income-Interest Expense)/Average 1.603 1.976 2.294 2.768

Interest Income-Interest Expense -21.27 -12.84 -8.20 32.24

Average Total Asset -2.97 1.19 10.80 15.46
(Interest Income-Interest Expense)/Average -18.86 -13.87 -17.14 14.53

12.Net Profit to average total assets ratio (%)

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Net Profit -1850.67 -2799.25 1137.8 1510.54
average total assets 238111.12 245399.72 242520.8 218888.1
Net Profit/average total assets -0.777 -1.141 0.469 0.690
3937.0500 892.3400
Net Profit -33.89 -346.02 -24.68 144.34
average total assets -2.97 1.19 10.80 15.46
Net Profit/average total assets -31.86 -343.14 -32.02 111.62

13.Interest Income to total income ratio

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Interest Income 16326 18561 19359 18230
15605.48 17956.39 19095.09 17989.38
total income 18440.29 20157.28 21362.54 19550.42
Interest Income/total income 0.89 0.92 0.91 0.93

Interest Income -12.04 -4.12 6.19 8.82

total income -8.52 -5.64 9.27 10.43
Interest Income/total income -3.85 1.61 -2.81 -1.46

14.Non-Interest Income to total income ratio

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Non-Interest Income 2114.49 1596.3 2003.54 1320.51
1880.63 1275.2 1740.81 1137.67
total income 18440.29 20157.28 21362.54 19550.42
Non-Interest Income/total income 0.11 0.08 0.09 0.07

Non-Interest Income 32.46 -20.33 51.72 38.68

total income -8.52 -5.64 9.27 10.43
Non-Interest Income/total income 44.80 -15.56 38.85 25.59

16.Liquid assets to demand deposits ratio

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Cash and RBI balance 8790.25 7949.96 8267.52 8049.21
balance with banks and call money 9309.63 10609.28 13901.45 6962.8
Liquid assets 18099.88 18559.24 22168.97 15012.01
demand deposit From banks 2733.6 12060.24 17931.31 17724.61
demand deposit From others 8937.91 8342 8672.11 7570.72
demand deposit 11671.51 20402.24 26603.42 25295.33
Liquid assets/demand deposits 1.55 0.91 0.83 0.59

Liquid assets -2.48 -16.28 47.67 21.61

demand deposit -42.79 -23.31 5.17 -2.63
Liquid assets/demand deposits 70.48 9.16 40.41 24.90

17.Liquid assets to total deposits ratio

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Liquid assets 18099.88 18559.24 22168.97 15012.01
total deposits 201285 207118 214337 199534
Liquid assets/total deposits 0.09 0.09 0.10 0.08

Liquid assets -2.48 -16.28 47.67 21.61

total deposits -2.82 -3.37 7.42 15.05
Liquid assets/total deposits 0.35 -13.36 37.48 5.70

15.Return on Equity ratio (ROE)

% change
Particulars(in crores) Mar-17 Mar-16 Mar-15 Mar-14
Net Income 18440.29 20157.28 21362.54 19550.42
Capital 1559.72 1075.59 1075.59 1014.71
Reserves and Surplus 10043.74 10511.36 11473.36 10211.58
Equity 11603.46 11586.95 12548.95 11226.29
ROE=Net Income/Equity 1.59 1.74 1.70 1.74

Net Income -8.52 -5.64 9.27 10.43

Equity 0.14 -7.67 11.78 15.95
ROE=Net Income/Equity -8.65 2.19 -2.25 -4.76

1.84 1699.36 3511.18 10492.24

5702.304348
5210.54 9587.3936
 Total advances/Total Deposits
0.80
0.75 0.74
0.70 0.69
0.60 0.59 0.61
0.50 Total advances/Total
Deposits
0.40
0.30
0.20
0.10
0.00
OTHER ADDITIONAL
1 2 3 4 5 INFORMATION
Number of
Branches

Mar-13
128282.86 115540
173431 154003.5
0.7397 0.75

11.03
12.61
-1.41

CAR= (Tier-I + Tier-II)/RWA

15.00 14.15
1559.72
12.17 12.68
10043.74 10.00 10.93 CAR= (Tier-I +
9.63 Tier-II)/RWA
5.00

0.00
1 2 3 4 5
 CAR= (Tier-I + Tier-II)/RWA
15.00 14.15
12.17 12.68
10.00 10.93 CAR= (Tier-I +
9.63 Tier-II)/RWA
Mar-13
5.00

0.00
1 2 3 4 5
101046 97507.85
9157.13
70.00
5140.94
14298.07 12042.22 60.00
14.15 12.35 50.00 CAR= (Tier-I + Tier-
9 II)/RWA
40.00
D/E Ratio = Total
18.73 30.00 Outside Liabilities/ Net
Worth
3.63
20.00 Total Advances/ Total
14.57 Assets
10.00
32.7393740536 0.00
1 2 3 4 5

D/E Ratio = Total Outside Liabilities/ Net Worth

3429.55
70.00
Mar-13 122415.55
60.00 1699.36
63.68
D/E Ratio = Total
188968.99 171885 6263.84
50.00 3511.18 Outside
47.10
7053 6657.77 132108.94
40.00 5210.54 1395.87 Liabilities/ Net
30.00 30.33 33.55 Worth
26.79 25.82 94.6427226.79
20.00
10.00
9.94
0.00
5.94 1 2 3 4 5
3.78

Total Advances/ Total Assets

70.00
64.58
Mar-13 60.00 59.9262.55
50.00 51.7551.41 Total Advances/
128282.86 115540
40.00 Total Assets
5779.52 30.00
198651.39 180498.3 20.00
64.58 64.01 10.00
0.00
128282.86
1 2 3 4 5
128282.86
11.03
10.06
0.88
Net NPA/ net advances
10.00
8.94 9.09
8.00
Net NPA/ net
6.00 advances
4.00 4.30
3.17
2.00 2.38

0.00
1 2 3 4 5
 10.00
8.94 9.09
8.00
Net NPA/ net
6.00 advances
4.00 4.30
3.17
2.00 2.38
Mar-13
128282.86 115540 0.00
1 2 3 4 5
4069.31 2263.94
3.17 1.96
40.00
35.00
79.74
30.00
11.03 Net NPA/ net
61.89 25.00 advances
20.00 Net NPA/ total
15.00 assets
Total investment/
10.00
total assets
5.00
Mar-13 Mar-12 0.00
1 2 3 4 5
198651.39 180498.3
52244.89 45771.49
26.30 25.36
Total investment/ total assets
14.14 40.00
10.06 30.00 32.00 34.29
28.00 28.21 26.30 Total investment/
3.71 total assets
20.00
10.00
0.00
1 2 3 4 5

Mar-13
4069.31 2263.94 Net NPA/ total assets
198651.39 180498.3 163398.45
5.00
2.05 1.25 4.634.67
4.00
189574.9 171948.4 Net NPA/ total
3.00 assets
79.74 2.57
2.00 2.05
10.06 1.49
1.00
63.32
0.00
1 2 3 4 5

Profit per Employee=PAT/No of Employees

Mar-13
0.10
618.2 2793.84 Profit per
0.05 0.06
24,201 23,259 0.05 Employee=PAT/
0.03 No of
0.03 0.12 0.00
Employees
-0.05 1 2 3 4 5
-0.08
-77.87 -0.10 -0.11
4.05 -0.15
-78.73 1.00

0.80 Profit per

Employee=PAT/No of
0.60 Employees
Business per
0.40 Employee=Total
Revenue/Current no of
0.20 Employees
 1.00

0.80 Profit per

Employee=PAT/No of
0.60 Employees
Business per
0.40 Employee=Total
Mar-13 Revenue/Current no of
0.20 Employees
17703.88 15597.92
0.05 0.06 Total advances/Total
24,201 23,259 0.00 0.03
Deposits
0.73 0.67 1 -0.08 2 -0.11 3 4 5
-0.20

13.50
4.05 Business per Employee=Total Revenue/Current no of Employees
9.08 Business per
0.90
Employee=Total
0.80 0.82 0.85 0.80 Revenue/Current no
0.75 0.73 of Employees
0.70
0.60
1 2 3 4 5
Mar-13
3357.09 2811.42
1886.01 1615.76 Operating Profit/average working funds
1.78 1.742.50
2.30
2.00 2.08 Operating Profit/average
1.61 1.78
19.41 1.50 working funds
1.00 1.19
16.73
0.50
2.30
0.00
1 2 3 4 5

Mar-13
16752 14632 (Interest Income-Interest Expense)/Average Total Asset
12170.17 10730.27 3.000
4581.83 3901.73 2.768 (Interest Income-
2.500
2.294 2.417 Interest
189574.9 171948.4 2.000 1.976
Expense)/Average
2.417 2.269 1.500 1.603 Total Asset
1.000
0.500
17.43
0.000
10.25 1 2 3 4 5
6.51

Net Profit/average total assets

Mar-13 1.000
0.690
618.2 2793.84 0.500 0.469 0.326 Net Profit/average
189574.9 171948.4 0.000 total assets
0.326 1.625 -0.500 1 2 3 4 5
-0.777
-1.000 -1.141
-77.87
-1.500
10.25
-79.9301 4.00
3.00
0.90794 2.00 Operating
1.00 Profit/average
0.09206 working funds
0.00
Mar-13 -1.00 1 2 3 4 5
16752 14632 -2.00
16492.18
17703.88 15597.92
0.95 0.94 Interest Income/total income
1.00
14.49 Interest
0.95 0.95 Income/total
13.50 0.92 0.93 income
0.87 0.90 0.91
0.89
0.85
1 2 3 4 5

Mar-13
952.17 965.56 Non-Interest Income/total income
834.18 0.15
17703.88 15597.92 Non-Interest
0.11 Income/total
0.10 0.09
0.05 0.06 0.08 income
0.07
0.05 0.05
-1.39 0.00
13.50 1 2 3 4 5
-13.12

Liquid assets/demand deposits

2.00
1.50 1.55 Liquid
Mar-13 assets/demand
5705.36 7811.53 1.00 0.91 0.83 deposits
6638.75 5792.16 0.50 0.59 0.48
12344.11 13603.69
1.80
0.00
18952.95 583.15 1 2 3 4 5
1.60
7026.67 7497.48
25979.62 8080.63 1.40
0.48 1.68 1.20
1.00 Liquid assets/total
-9.26 deposits
0.80 Liquid assets/demand
221.50
0.60 deposits
-71.78
0.40
0.20
0.00
1 2 3 4 5
Mar-13
 12344.11 13603.69
173431 154003.5
0.07 0.09 Liquid assets/total deposits
0.12
-9.26 0.10 0.10
0.09 0.09 Liquid
12.61 0.08 0.08 0.07 assets/total
-19.42 0.06 deposits
0.04
0.02
0.00
1 2 3 4 5
Mar-13
17703.88 15597.92
2575.63 2487.71
7106.79 6125.72 ROE=Net Income/Equity
9682.42 8613.43 1.85 1.83
1.83 1.81 1.80
1.75 1.74 1.74
1.70 ROE=Net
13.50 1.70
Income/Equity
1.65
12.41 1.60 1.59
0.97 1.55
1.50
1.45
1 2 3 4 5
2.0136569338
OTHER ADDITIONAL
INFORMATION
3,100.00 3,073.00 3,020.00
erating
fit/average
king funds

assets/total
ts
assets/demand
ts
 BALANCE SHEET OF UCO BANK AS ON 31ST MARCH,2017
(Rupees in Crore)
As on As on As on
31.3.2017 31.3.2016 31.3.2015 As on
31.3.2014
schedule
CAPITAL AND LIABILITIES

Capital 1 1559.73 1075.59 1075.59 1014.71

Reserves & Surplus 2 10043.74 10511.36 11473.36 10211.58
Share Application Money 1150 935
Deposits 3 201284.51 207118 24 214336.71 199533.55
Borrowings 4 9534.96 17240.43 10252.54 20718.24
Other Liabilities & Provisions 5 7766.76 8001.9 8778.71 7646.68
TOTAL 231339.71 244882.53 245916.91 239124.75
ASSETS

Cash and Balances with

Reserve Bank of India 6 8790.24 7949.95 8267.52 8049.21
Balances with Banks and
Money at Call and Short Notice 7 9309.63 10609.27 13901.45 6962.8

Investments 8 74019.12 83974.2 68859.43 67451.69

Advances 9 119724.45 125905.36 147350.87 149584.21
Fixed Assets 10 2849.48 2884.64 1114 1061.76
Other Assets 11 16646.77 13559.09 6423.64 6015.08
TOTAL 231339.71 244882.53 245916.91 239124.75
Contingent Liabilities 12 51804.24 59340.46 74826.11 74358.12
Bills for Collection 6644.41 6908.15 5665.49 5206.81
rore)
As on As on
31.3.2013 31.3.2012

2575.63 2487.71
7106.79 6125.72

173431.05 154003.49
9492.43 12901.42
6045.51 4980.05
198651.4 180498.4

5705.36 7811.53

6638.75 5792.16

52244.9 45771.5
128282.86 115540.01
889.59 801.55
4889.93 4781.66
198651.4 180498.4
65882.43 48527.22
4207.08 3547.47