UCO Bank
Public Sector · NSE UCOBANK · Market cap ₹30,647
Latest FY FY2025
Loan growth
18.2%
Deposit growth
11.6%
NIM
3.0%
81th pctile
ROA
0.7%
ROE
8.4%
Gross NPA
2.1%
4th pctile
P/B
1.61x
60th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 18.2% | 17.7% | +0.5pp | — |
| Deposit growth | 11.6% | 13.4% | -1.8pp | — |
| CASA | 36.9% | 32.7% | +4.2pp | 41th |
| NIM | 3.0% | 3.6% | -0.5pp | 81th |
| ROA | 0.7% | 1.1% | -0.3pp | — |
| ROE | 8.4% | 12.4% | -4.0pp | — |
| Gross NPA | 2.1% | 1.9% | +0.2pp | 4th |
| Credit cost | 1.8% | 1.3% | +0.5pp | — |
| Cost/income | 37.5% | 55.1% | -17.6pp | — |
| CRAR | 19.0% | 18.9% | +0.1pp | — |
| P/B | 1.61x | 1.07x | +0.5pp | 60th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▲Capital to Risks Assets Ratio (CRAR) at 19.03 — 98th percentile of its own history (multi-year high) · hist_percentile>=90
- ▲Cost To Income Ratio at 37.49 — 0th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Cost To Income Ratio -30.7% YoY to 37.49 · abs(yoy)>=15%
- ▲Gross NPA at 2.08 — 4th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -20.9% YoY to 2.08 · abs(yoy)>=15%
- ▲Fresh Slippages - Quarterly -30.3% YoY to 424.00 · abs(yoy)>=15%
- ▲Cost of Borrowing decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▲Advances growing +6.6pp vs listed-bank aggregate (share 1.14%, +0.06pp 1Y) · |bank growth - system proxy growth| >= 5pp