INDEX

Page no.

I. Introduction
History of Banking
History & Evolution of UCO Bank 2
3

II. Products & Services Offered 5

III. Financial Statements

Balance Sheet 16
Profit & Loss A/c 19
Cash Flow Statement 20

IV. Analysis of Financial Statements

Comparative Balance Sheet 21

Comparative Profit & Loss AQ/c 22
Comparative Cash Flow Statement 23
Ratio Analysis 24
V. Findings & Conclusion 26

VI. Bibliography 28

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 HISTORY OF BANKING

Bank is a financial institution that performs several functions like accepting deposits,
lending loans, agriculture and rural development etc. Bank plays an important role in
the economic development of the country.

It is necessary to encourage people to deposit their surplus funds with the banks.
These funds are used -for providing loans to the industries thereby making productive
investments.

A bank is a financial intermediary that accepts deposits and channels those deposits
into lending activities. They are the active players in financial market. The essential
role of a bank is to connect those who have capital with those who seek capital. After
the post economic liberalization and globalization, there has been a significant impact
on the banking industry.

Banking in India originated in the 18th century. The oldest bank in existence in India
is the State Bank of India, a government-owned bank in 1806. SBI is the largest
commercial bank in the country.

After the independence, Reserve Bank of India was nationalized and given wide
powers. Currently, India has 96 Scheduled Commercial Banks, 27 public sector
banks, 31 private banks and 38 foreign banks.

Today, banks have diversified their activities and are getting into new products and
services that include opportunities in credit cards, consumer finance, wealth
management, life and general insurance, investment banking, mutual funds, pension
fund regulation, stock broking services, etc.

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Further, most of the leading Indian banks are going global, setting up offices in
foreign countries, by themselves or through their subsidiaries.

HISTORY AND EVOLUTION OF UCO BANK

UCO Bank is a commercial bank established in 1943. The idea to establish the bank
was first conceived by G.D. Birla, the famous industrialist, after the historic 'Quit
India Movement' in 1942. The idea was culminated on the 6th of January 1943, when
The United Commercial Bank Ltd. was born with its Registered and Head Office at
Kolkata. A commercial bank and a Government of India Undertaking, it comprises of
government representatives as well as renowned professionals like accountants,
management experts, economists, businessmen, and so on, in its Board of Directors.
United Commercial Bank has stretched out to of all segments of the economy - be it
agriculture, industry, trade and commerce, services or infrastructure.

Along with 13 other major commercial banks of India, United Commercial Bank was
nationalized on 19th July, 1969, by the Government of India. Thereafter the Bank
expanded rapidly. To keep pace with the developing scenario and expansion of
business, the Bank undertook an exercise in organizational restructuring in the year
1972. Under the act of Indian Parliament, in 1985, its name changed from United
Commercial Bank to the present name, UCO Bank. As of 2005, the bank has 2000
Service Units spread all over India. A distinctive feature of UCO bank is its
introduction of 'NO HOLIDAY' branches. These bank branches work on all the 365
days of a year. With the age of global banking, UCO bank has also changed to be

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adept with the newest technology, boasting of specialized computerized branches in
both India and overseas.

Branches & ATM Services

Headquartered in Kolkata, UCO Bank has about 35 Regional Offices spread all over
India. Overseas, it has two branches in Singapore and Hong Kong. UCO bank has a
total of 414 ATMs across the states of Andhra Pradesh, Assam, Bihar, Chattisgarh,
Chandigarh, Goa Gujarat, Haryana, Himachal Pradesh, Jharkhand, Karnataka, Kerala,
Madhya Pradesh, Maharashtra, Meghalaya, Nagaland, New Delhi, Orissa,
Pondicherry, Punjab, Rajasthan, Sikkim, Tamil Nadu, Tripura, Uttar Pradesh and
West Bengal.

Net profit of the Bank during 2014-15 is 1138 crore against 1511 crore during
2013-14. Government share-holding in the bank is 84%. Its Board of Directors
consists of government representatives from the Government of India and Reserve
Bank of India as well as eminent professionals like accountants, management experts,
economists, businessmen, etc. The management of the bank has Arun Kaul as the
Chairman and Management director.

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 PRODUCTS AND SERVICES OFFERED

Deposit Schemes

Customers in UCO Bank are provided with a number of well thought out deposit
schemes, tailor made to suit different needs of different people - each in its own way
maximizing the benefits for the depositor.

UCO Saral Savings Deposit Scheme

UCO Star Savings Deposit Scheme

No-frills Savings Bank Account (Zero Balance)

Uco Veer Shakti (UVS) (Defense personnel)

UCO Smart Kids Savings Bank scheme

UCO THOUSAND Fixed Deposit Scheme

Kuber Yojana

UCO Dhan-Varsha Fixed Deposit Scheme

UCO Monthly Income Scheme

UCO Double Fixed Deposit Scheme

UCO Tax Saver Deposit Scheme - 2006

Flexible Fixed Deposit Scheme

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Loan Schemes

Being a Commercial Bank, giving Loans and Advances is among its primary
activities. UCO bank a fairly large basket of loan products specially designed to suit
different personal needs. Following loan schemes are offered:

UCO Shopper Loan Scheme

UCO Car
UCO Trader
Education Loan
UCO Cash
UCO Rent
UCO Property Loan Scheme
UCO Securities
UCO CA Loan Scheme
UCO Real Estate
UCO Yatra
UCO Two Wheeler Scheme
UCO Premier Educational Loan Scheme
UCO Pensioner
UCO Swabhiman - Reverse Mortgage Loan Scheme for Senior Citizen
UCO Home

NRI Corner

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UCO Bank offers a range of services for the NRIs. Following are the services that
NRIs can choose from:

Deposit Schemes
Foreign Currency Non Resident (FCNR-B) Deposits
Resident Foreign Currency (RFC) Deposits
Non Resident External (NRE) Deposits
Non Resident Ordinary (NRO) Deposits
Remittance to India
Loans to NRIs
Against Deposits
NRI Home Loans

International Banking

Following international banking services are offered;

Products & Services

o NRI Banking
o Foreign Currency Loans
o Finance/Services to Exporters
o Finance/Services to Importers o Remittances
o Forex & Treasury Services o Resident Foreign Currency (Domestic) Deposits
o Correspondent Banking Services
o General Banking Services
Foreign Currency Loans
Finance/Services to Exporters
Finance/Services to Importer
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 Remittances
Forex & Treasury Services
o Forex Inter Bank Placements/Borrowings
o Sale & Purchase of currency on behalf of customers
o Forward Cover Bookings
o Cross Currency Swaps o Interest Rate Swaps (IRS)
o Forward Rate Arrangements (FRAs)
o Forex Money Market Operations
Resident Foreign Currency (Domestic) A/Cs
Correspondent Banking Services

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Kuber Yojna :

A long term fixed deposit scheme. Interest is compounded every quarter by way of
reinvestment. Thus the scheme generates a large sum of money at the time of
maturity. The scheme meets the need for a safe long term investment.

The Key features of the Scheme are : -

The minimum amount of deposit is Rs.1000/-

The minimum period of deposit is 6 months.

The maximum period of deposit is 120 months.

Interest is compounded under the scheme at quarterly intervals.

The total amount of interest is paid at maturity.

UCO Tax Saver Deposit Scheme:

UCO Tax Saver Deposit Scheme is a Term Deposit Scheme with maturity of not less
than 5 years subject to lock in period of 5 years.

Who can open the Account -

1. An individual for himself

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 2. Hindu undivided family ;

3. Jointly by two adults or jointly by an adult and a minor, and payable to

either of the holders or to the survivor.

Amount of Deposit- Minimum Rs.100/- and maximum Rs.1.5 lac in a year (1st April
to 31st March).

Period of deposit and payment on maturity - The period of deposit under the
scheme shall be not less than five years.
Rates of interests on Fixed Deposits under the UCO TAX SAVER Scheme,

Pre Revised Rate Revision in Rate

w.e.f.24.08.2015

Category of Deposit Rate of Interest Rate of Interest % pa

% pa

General 8.20% 8.00%

Sr. Citizen 8.70% 8.50%

Staff/Ex-staff/Ex-staff who is also 8.70% 8.50%

Sr. Citizen

Income Tax Benefits - Deposit under the scheme is eligible for deduction under
Section 80C of the Income Tax Act up to a maximum limit of Rs.1.5 lac (subject
to the overall ceiling of Rs.1.5 lac along with other deductions already available
under 80C)

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UCO CA Loan Scheme:

Eligibility-

Chartered Accountants, individually/jointly or Proprietorship Concern or a

Partnership Firm

Age of the individual/proprietor/younger partner (in case of partnership firm)

shall not exceed 68 years.

The applicants/Firm are registered with Institute of Chartered Accountants

(ICAI) and also holding valid certificate/license for carrying out the practice

The applicants/firms name shall not appear in the RBI defaulters list

In case of Firm, all partners shall join as Co-applicant

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 The applicants/firm should not have been subjected to disciplinary action by
the Institute

CA firm should be in existence for a minimum of 2 years

Purpose-

For construction of office premises

For acquisition of ready built new office premises, partly or fully constructed

To finance cost of land and construction of office premises thereon

To finance cost of furniture & fixture, fittings of office equipments/ computers/

other accessories etc.

To finance working capital and/or financing receivables

Nature of facility-

Term Loan for acquisition of fixed assets and/or Cash Credit for Working
capital

Quantum of Loan-

Sl. No. Nature of facility Maximum Eligibility

Metro/Urban Semi Urban/Rural

1 Term Loan Rs 90 lacs Rs 45 lacs

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 2 Working Capital Rs 10 lacs Rs 5 lacs

3 Total Rs 100 lacs Rs 50 lacs

Minimum Loan- Rs 2 lacs, Maximum loan-Rs 100 lacs

Repayment-

Repayment will be so stipulated that the entire Loan (both Term Loan & Cash
Credit) will be fully repaid before completion of 70 years of age of applicant
(in case of proprietor / individual) and younger one (in case of Loans to
individuals or partnership firm).

UCO Swabhiman- Reverse Mortgage Loan Mortgage Loan

Scheme for Senior Citizen

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UCO Reverse Mortgage Loan Scheme for Senior Citizens, under Reverse Mortgage a
Senior Citizen, owning a house/flat, can avail of a monthly stream of Income against
the mortgage of his/her property while remaining the owner and occupying the house
throughout his/her lifetime, without repayment or servicing of the loan.

Eligible Borrowers Senior Citizens of India.

Purpose Supplementing Senior Citizen's Income

Loan Amount Based on valuation of the property and age of the borrower -
Maximum Rs.50 lacs

Period of Loan Minimum 5 years and maximum 15 years.

Mode of Monthly/Quarterly with fixed/increasing Equated monthly

Disbursement Disbursement with an option to avail One-time lump sum
payment after 12 months from the first disbursement during
entire tenure of 15 years as per choice of the borrower.

Security Equitable Mortgage of the residential property owned & self-

occupied by the Senior Citizen borrower.

Rate of Base Rate + 2.50% p.a.

Interest

Repayment The outstanding loan will be due when the last borrower
dies/permanently moves out of the house/would like to sell the
home.

Loan will be liquidated by sale of property.

Option available with the legal heir(s) to repay the loan and

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 redeem the house property.

UCO KISAN BHOOMI VRIDHI (UKBV)

Type of Facility- Term Loan for (7-10) Years(Direct Agriculture)

Scope of Finance- All Rural and Semi-Urban Branches

Objective

To make the small and marginal holdings economically viable

To bring fallow lands and waste lands under cultivation.

To step up agricultural production and productivity

To finance the share croppers/tenant farmers to purchase land to enable them to

increase their income.

Eligibility-

i) Small and marginal farmers i.e. those who own maximum of 5 acres of non-
irrigated land or 2.5 acres of irrigated land including purchase of land under the
scheme.
ii) Share croppers/ Tenant farmers .

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Purpose -

The objective of the Scheme is to finance the farmers to purchase, develop and
cultivate agricultural as well as fallow and waste lands.

Branches may consider financing maximum amount of Rs. 10.00 lacs for
purchase of land for establishing or diversifying into other allied activities.
Complete details of the project proposal of the farmer should be obtained by
the bank while considering finance for purchase of land

Quantum of loan will depend upon

1. Valuation as assessed by the Branch.

2. Bench Mark Rate fixed by the State.

3. The registration value.

Out of the three above whichever is less.

Plus value of Stamp duty, registration charges for sale/ mortgage
(Maximum amount of Rs. 10 lacs. )

Margin- The margin will be minimum of 15 %.

Rate of Interest- Base Rate, i.e 10.20% from 11th February

2013.
Simple rate at half yearly rest.

Processing / Inspection Charges : Up to Rs.3.00 lac - Nil

Above Rs. 3.00 lac as per extant guidelines

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 FINANCIAL STATEMENTS

Balance Sheet
As on 31st March, 2015

Parameter Mar15 Mar14

( Cr) ( Cr)

SOURCES OF FUNDS
Share Capital 1,075.59 1,014.71
Share Warrants & Outstandings 0.00 0.00
Total Reserve 11,473.36 10,211.58
Shareholders Funds 12,548.96 11,226.29
Deposits 2,14,33671 1,99,533.55
Borrowings 10,252.54 20,718.24
Other Liabilities & Provisions 8,778.71 7,646.68
TOTAL LIABILITIES 2,45,916.91 2,39,124.75

APPLICATION OF FUNDS:

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 Cash and balance with Reserve Bank of India 8,267.52 8,049.21
Balances with banks and money at call and short 13,901.45 6,962.80
notice
Investments 68,859.43 67,451.69
Advances 1,47,350.87 1,49,584.21
Gross Block 2,291.54 2,102.01
Less: Accumulated Depreciation 1,225.26 1,083.73
Less: Impairment of Assets 0.00 0.00
Net Block 1,066.27 1,018.28
Lease Adjustment 0.00 0.00
Capital Work in Progress 47.73 43.48
Other Assets 6,423.64 6,015.08
TOTAL ASSETS 2,45,916.91 2,39,124.75

Contingent Liability 74,826.11 74,358.12

Bills for Collection 5,665.49 5,206.81

Schedule-1
SHARE CAPITAL

Parameter Mar15 Mar14

( Cr) ( Cr)
Authorised Capital

300,00,00,000 Equity Shares 3000.00 3000.00

Of 10/- each

225,000 Perpetual Non-Cumulative 2250.00 2250.00

Preference Shares of 1,00,000/- each

Subscribed, Issued and Paid up Capital

107,55,91,712 (101,47,09,162) 1075.59 1075.59

Equity Shares of 10/- each

[Includes 78,33,33,288 (78,33,33,288) shares held by

Central Govt.]

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Schedule-2

DEPOSITS

Parameter Mar15 Mar14

( Cr) ( Cr)

Demand Deposits
From Banks 17931.31 17724.61
From Others 8672.11 7570.72

Saving Bank Deposits 36304.23 33598.95

Term Deposits
From Banks 23162.68 20926.0
From Others 128266.35 119713.24
Deposits from Branches in India 193552.47 182730.31

Deposits from Branches outside India 20784.23 16803 23

TOTAL 214336.70 199533.54

Schedule-3

BORROWINGS

Parameter Mar15 Mar14

( Cr) ( Cr)

Borrowings in India
Reserve Bank of India 1539.00 9072.00

Other Banks 1093.94 1998.49

Other Institutions & Agencies 7309.76 9285.20

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Borrowings Outside India 309.82 362.53

TOTAL 10252.54 20718.23

Schedule-4

OTHER LIABILITIES AND PROVISIONS

Parameter Mar15 Mar14

( Cr) ( Cr)
Bills Payable 115.44 160.39

Inter Office Adjustments 386.12 361.48

Interest Accrued 939.95 859.21

Others 7337.18 6265.57

TOTAL 8778.70 7646.67

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 Profit & Loss A/c
For the Year ended 31st March, 2015

Parameter Mar15 Mar14

( Cr) ( Cr)
INCOME
Interest Earned 19,358.99 18,229.92

Other Income 2,003.54 1,320.51

Total Income 21,362.54 19,550.42

EXPENDITURE
Interest Expanded 13,796 12,170.83
Operating Expenses 2,655.78 2,439.20
PBIDT 4,910.22 4,940.40

Provisions and Contingencies 3,328.36 3,216.30

Profit Before Tax 1,581.86 1,724.09

Taxes 444.06 213.55

Total 20,224.74 18,039.88

PROFIT & LOSS

PAT 1,137.80 1,510.54
Extraordinary Items 0.00 0.00
Profit brought forward 2,949.94 2,114.58
Adjusted Net Profit 0.00 0.00
Total Profit & Loss 1,137.80 1,510.54

Appropriations 4,087.74 3,625.12

Equity Dividend (%) 20.00 30.00

Earnings Per Share (in ) 10.58 14.89

Book Value (in ) 111.00 104.85

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 Cash Flow Statement
For the year ended 31st March, 2015

Parameter Mar15 Mar14

( Cr) ( Cr)

Net Income 1,581.85 1,724.09

Cash From Operating Activities

Depreciation 135.50 109.63

Non-Cash Items 1,874.65 1,966.57

Cash Taxes Paid 453.01 44.5
Changes in Working Capital 4,269.34 -226.67
Total 7,861.36 3,573.63

Cash from Investing Activities

Capital Expenditure -176.44 -236.62
Other Investing Cash Flow items 16.27 23.84
Total -160.16 -212.78

Cash from Financing Activities

Financing Cash Flow Items -69.26 -282.88
Total Cash Dividends Paid -294.82 -514.15
Issuance (Retirement) of Stock, Net 60.88 25.9
Issuance (Retirement) of Debt, Net -250 -
Total -553.20 -771.12

Foreign Exchange Effects 8.96 78.17

Net Change in Cash 7,156.95 2,667.89
Cash and Equivalent at the Beginning of Year 15,012.01 12,344.12
Cash and Equivalent at the End of Year 22,168.97 15,012.01

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 ANALYSIS OF FINANCIAL STATEMENTS
Comparative Balance Sheet
Parameter MAR'15 MAR'14 YoY
( Cr.) ( Cr.) %Change
SOURCES OF FUNDS
Share Capital 1,075.59 1,014.71 6.00%
Share warrants & Outstandings 0.00 0.00 0.00%
Total Reserve 11,473.36 10,211.58 12.36%
Shareholder's Funds 12,548.96 11,226.29 11.78%
Deposits 2,14,336.71 1,99,533.55 7.42%
Borrowings 10,252.54 20,718.24 -50.51%
Other Liabilities & Provisions 8,778.71 7,646.68 14.80%
TOTAL LIABILITIES 2,45,916.91 2,39,124.75 2.84%
APPLICATION OF FUNDS:
Cash and balance with RBI 8,267.52 8,049.21 2.71%
Balances with banks 13,901.45 6,962.80 99.65%
Investments 68,859.43 67,451.69 2.09%
Advances 1,47,350.87 1,49,584.21 -1.49%
Gross Block 2,291.54 2,102.01 9.02%
Less : Accumulated Depreciation 1,225.26 1,083.73 13.06%
Less : Impairment of Assets 0.00 0.00 0.00%
Net Block 1,066.27 1,018.28 4.71%
Lease Adjustment 0.00 0.00 0.00%
Capital Work in Progress 47.73 43.48 9.76%
Other Assets 6,423.64 6,015.08 6.79%
TOTAL ASSETS 2,45,916.91 2,39,124.75 2.84%
Contingent Liability 74,826.11 74,358.12 0.63%
Bills for collection 5,665.49 5,206.81 8.81%

Comparative Profit & Loss A/C

Parameter MAR'15 MAR'14 Change %

( Cr.) ( Cr.)
I. INCOME
Interest Earned 19,358.99 18,229.92 6.19%
Other Income 2,003.54 1,320.51 51.73%
Total Income 21,362.54 19,550.42 9.27%
II. EXPENDITURE
Interest Expended 13,796.54 12,170.83 13.36%
Operating Expenses 2,655.78 2,439.20 8.88%
PBIDT 4,910.22 4,940.40 -0.61%
Provisions and Contingencies 3,328.36 3,216.30 3.48%
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Profit Before Tax 1,581.86 1,724.09 -8.25%
Taxes 444.06 213.55 107.94%
Total 20,224.74 18,039.88 12.11%
III. Profit & Loss
PAT 1,137.80 1,510.54 -24.68%
Extraordinary Items 0.00 0.00 0.00%
Profit brought forward 2,949.94 2,114.58 39.50%
Adjusted Net Profit 0.00 0.00 0.00%
Total Profit & Loss 1,137.80 1,510.54 -24.68%
Appropriations 4,087.74 3,625.12 12.76%
Equity Dividend (%) 20.00 30.00 -33.33%
Earnings Per Share (in ) 10.58 14.89 -28.94%
Book Value (in ) 111.00 104.85 5.87%

Comparative Cash Flow

Parameter MAR'15 MAR'14 Change %

( Cr.) ( Cr.)

Net Profit Before Taxes 1,581.86 1,724.09 -8.25%

Adjustments for Expenses & Provisions 3,878.70 3,763.88 3.05%

Adjustments for Liabilities & Assets 2,853.82 -1,469.34 294.22%

Cash Flow from operating activities 7,861.36 3,573.63 119.98%

Cash Flow from investing activities -160.17 -212.78 24.73%

Cash Flow from financing activities -553.20 -771.13 28.26%

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Effect of exchange fluctuation on translation reserve 8.97 78.17 -88.53%

Net increase/(decrease) in cash and cash equivalents 7,147.99 2,589.72 176.01%

Opening Cash & Cash Equivalents 15,012.01 12,344.12 21.61%

Closing Cash & Cash Equivalent 22,168.97 15,012.01 47.67%

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 Ratio Analysis

Net Income/ No of
Equity Shares
Earnings Per Share 10.58
= 21363/1075
Total Dividend/ No of
Preference Shares
Dividends Per Share 2.00
= 4500/2250
Current Assets/ Current
Liabilities
Current Ratio 0.32
= 6423.64/8778.71

Quick assets/Current
Liabilities
Quick Ratio 4.78
=4195.88/8778.71
Net Profit after tax/ Net
Sales
Net Profit Ratio 0.47
=1137.80/5347.66

Earnings before Interest

and tax/ Capital
Return on Capital Employed 9.55
Employed
=21362/2040
Debt/ Equity

Debt Equity Ratio =12337.01/1075.59 11.47

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 Comparative Ratio Analysis

Mar15 Mar14 %
change
Earnings Per Share 10.58 14.89 -4.31%

Dividend Per Share 2.00 3.00 -1.00%

Current Ratio 0.32 0.34 -0.02%

Quick Ratio 4.78 10.38 -5.6%

Net Profit Ratio 0.47 0.69 -0.21%

Return on Capital Employed 9.55 10.26 -0.71%

Debt Equity Ratio 11.47 21.33 -9.86%

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 FINDINGS AND CONCLUSION

The global business of the Bank grew by 19.60 percent from Rs.352697 crore
in 2013-14 to Rs.366148 crore in 2014-15, whereas Banks domestic business
rose by 16.34 percent from Rs.277591 crore in 2013-14 to Rs.322958 crore in
2014-15.

The Bank earned an operating Profit of 4910 crore during the year 2014-15 as
against 4940 crore during the financial year 2013-14. Net profit of the Bank
during 2014-15 is 1138 crore against 1511 crore during 2013-14.

The Banks total income registered a growth of 9.27% from 19550 crore in
2013-14 to 21363 crore in 2014-15.

The Banks Capital Adequacy Ratio of 12.17% as at 31.03.2015 was higher

than the regulatory requirement of 9%.

Earnings per Share are an indicator of profitability of the firm. EPS of the bank
has decreased from 14.89% in 2013-14 to 10.58% in 2014-15 registering a
decrease of 4.31% because of fall in profit.

Dividend per Share is a significant indicator of the current liability of a

company to produce value for its shareholders. There has been a decrease in
DPS of 1.00% indicating the shareholders received 1% less dividend as
compared to last year.

Current Ratio and quick ratio are indicators of liquidity of firm. The higher the
ratios, the higher the level of liquidity. Decrease of 0.02% and 5.6% was
registered in current ratio and quick ratio respectively indicating decrease in
current assets and over leveraged position of the bank.

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 Return on capital employed measures a companys profitability and the
efficiency with which its capital is employed. A decrease in ROCE shows that
the bank is less efficient than it was in the previous year.

Debt Equity ratio is a measure of relationship between the capital contributed

by creditors and the capital contributed by shareholders. A decrease of 9.86%
indicates that no the bank is using less leverage and has a stronger equity
position.

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 BIBLIOGRAPHY

Economictimes.indiatimes.com
Ndtv.profit.com
Moneycontrol.com
Wikipedia.com
Indiannotes.com
Ucobank.com
Goodreturns.in
Investopedia.com
Money.rediff.com

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