UCO Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Millions INR. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Sep '24 Sep 30, 2024	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	Mar '20 Mar 31, 2020	2019 - 2015
Interest Income on Loans	232,595	218,543	176,505	149,813	144,461	151,343	Upgrade
Interest Paid on Deposits	147,846	137,536	103,074	85,084	89,665	100,421	Upgrade
Net Interest Income	87,293	81,008	73,431	64,729	54,797	50,923	Upgrade
Net Interest Income Growth (YoY)	11.21%	10.32%	13.44%	18.13%	7.61%	18.12%	Upgrade
Gain (Loss) on Sale of Assets	5.78	5.78	1.66	5.17	-209.59	1.06	Upgrade
Gain (Loss) on Sale of Investments	6,081	6,081	-3,140	2,456	15,000	10,375	Upgrade
Other Non-Interest Income	32,056	26,569	28,223	28,547	19,452	18,336	Upgrade
Total Non-Interest Income	38,142	32,655	25,085	31,008	34,242	28,712	Upgrade
Non-Interest Income Growth (YoY)	24.53%	30.18%	-19.10%	-9.44%	19.26%	89.71%	Upgrade
Revenues Before Loan Losses	125,436	113,663	98,516	95,738	89,039	79,635	Upgrade
Provision for Loan Losses	17,612	20,074	14,356	30,471	39,820	85,481	Upgrade
Revenue	107,823	93,589	84,160	65,267	49,218	-5,847	Upgrade
Revenue Growth (YoY)	20.72%	11.20%	28.95%	32.61%	-	-	Upgrade
Salaries and Employee Benefits	53,086	48,867	38,727	33,143	34,427	19,294	Upgrade
Occupancy Expenses	6,327	6,327	5,309	4,469	3,912	4,152	Upgrade
Selling, General & Administrative	1,203	1,203	983.97	845.66	1,070	902.7	Upgrade
Other Non-Interest Expense	13,371	11,504	10,089	9,306	8,140	6,930	Upgrade
Total Non-Interest Expense	73,936	67,901	55,109	47,763	47,548	31,279	Upgrade
EBT Excluding Unusual Items	33,887	25,689	29,051	17,504	1,670	-37,125	Upgrade
Pretax Income	33,887	25,689	29,051	17,504	1,670	-37,125	Upgrade
Income Tax Expense	12,013	9,151	10,428	8,206	-	-12,757	Upgrade
Net Income	21,874	16,537	18,623	9,298	1,670	-24,368	Upgrade
Net Income to Common	21,874	16,537	18,623	9,298	1,670	-24,368	Upgrade
Net Income Growth	16.60%	-11.20%	100.30%	456.63%	-	-	Upgrade
Basic Shares Outstanding	12,017	11,956	11,956	11,638	9,918	7,865	Upgrade
Diluted Shares Outstanding	12,017	11,956	11,956	11,638	9,918	7,865	Upgrade
Shares Change (YoY)	1.35%	-	2.73%	17.34%	26.10%	103.23%	Upgrade
EPS (Basic)	1.82	1.38	1.56	0.80	0.17	-3.10	Upgrade
EPS (Diluted)	1.82	1.38	1.56	0.80	0.17	-3.10	Upgrade
EPS Growth	15.05%	-11.20%	94.97%	374.39%	-	-	Upgrade
Dividend Per Share	-	0.280	-	-	-	-	Upgrade
Effective Tax Rate	35.45%	35.62%	35.89%	46.88%	-	-	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.