UCO Bank
UCOBANKFinancial Services filings
We hold this company’s filings and have not read the financial statements out of them yet. Every filing on record is listed under filings, and each one opens.
Earnings calls
14 transcript(s)/analyst meet(s) served; 0 document(s) on file are not transcripts (cover letters, duplicates, unresolved) and are excluded. Speaker attribution is shown only where the segmenter attributes ≥ 95% of sentences to management or analysts (7 of 14 documents here); elsewhere sentences render unattributed.
| Kind | Date | Period | Served | Attribution rate |
|---|---|---|---|---|
| ANALYST_MEET | 20230213 | 2022-12-31 | yes | |
| ANALYST_MEET | 20230802 | 2023-06-30 | yes | |
| ANALYST_MEET | 20231108 | 2023-09-30 | yes | |
| ANALYST_MEET | 20240202 | 2023-12-31 | yes | |
| ANALYST_MEET | 20240503 | 2024-03-31 | yes | |
| ANALYST_MEET | 20241024 | 2024-09-30 | yes | |
| ANALYST_MEET | 20241114 | 2024-09-30 | yes | |
| ANALYST_MEET | 20250128 | 2024-12-31 | yes | |
| TRANSCRIPT | 20250503 | 2025-03-31 | yes | |
| TRANSCRIPT | 20250728 | 2025-06-30 | yes | |
| TRANSCRIPT | 20251024 | 2025-09-30 | yes | |
| TRANSCRIPT | 20260128 | 2025-12-31 | yes | |
| ANALYST_MEET | 20260502 | 2026-03-31 | yes | |
| TRANSCRIPT | 20260730 | 2026-06-30 | yes |
UCOBANK
files the banking form. Every figure below opens to the filing it was read from; where a figure is not shown, the reason is printed in its place.
Identity
| Statement division | banking |
| Scope served | consolidated |
| Panels on this page | 5 |
Market
No split, bonus or consolidation is on record for this company inside the period this price series covers, so the closes need no adjustment.
| Last close | 23.74 |
| 52-week range | 22.45 – 33.58 |
| Return 1M | -8.87% |
| Return 3M | -12.59% |
| Return 1Y | -22.16% |
| Return 3Y | -44.01% |
| Return 5Y | 77.83% |
| Market capitalisation | not shown — we could not confirm it |
| Shares outstanding | not shown — we could not confirm it |
| P/E | not shown — we could not confirm it |
| P/B | not shown — we could not confirm it |
| EV/EBITDA | not shown — we could not confirm it |
Latest quarter filed — period ending 2025-03-31
In INR crore except per-share figures. `period_id` is the period the filing names for the number; the date beside each cell is when it was filed.
| Interest earned | 6,745.00 |
| Interest on advances and bills | 4,748.00 |
| Income on investments | 1,602.00 |
| Interest on balances with the RBI and interbank funds | 369.00 |
| Other interest | 25.00 |
| Interest expended | 4,046.00 |
| Other income | 1,392.00 |
| Total income | 8,137.00 |
Ownership — 2026-06-30, and the change from 2026-03-31
| Holder | Per cent | Change |
|---|---|---|
| promoter and promoter group | 0.91 | 0.00 |
| institutions foreign | 0.00 | -0.00 |
| institutions domestic | 0.04 | -0.00 |
| mutual funds | 0.00 | 0.00 |
| public | 0.09 | 0.00 |
Documents on file
| Class | Most recent | On file |
|---|---|---|
| ANALYST_MEET | 2026-03-31 | 9 |
| TRANSCRIPT | 2026-06-30 | 5 |
Financial statements
Filed results, consolidated, in INR crore except per-share figures. Every figure opens to the filing it was read from. Quarterly and annual columns are the periods the filing itself names, never a document date.
Cash flow, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 |
|---|---|---|---|---|---|
| Net cash from operating activities | 977.00 | 986.00 | 2,569.00 | 1,801.00 | 3,834.00 |
| Net cash from investing activities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net cash from financing activities | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Purchase of property, plant and equipment | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net increase in cash | 977.00 | 986.00 | 2,569.00 | 1,801.00 | 3,834.00 |
| con:CFO.BEFORE_TAX | 977.00 | 986.00 | 2,569.00 | 1,801.00 | 3,834.00 |
| con:INTEREST_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INTEREST_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:DIVIDENDS_RECEIVED.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:TAX_PAID.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_OTHER.OPERATING | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_PURCHASED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:INVESTMENTS_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:PPE_DISPOSALS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.SUBSIDIARIES_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_SOLD | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:CF_INVESTING.JV_ACQUIRED | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Quarterly results, as filed
| Line | 2022-09-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 |
|---|---|---|---|---|---|---|---|---|
| Interest earned | 4,185.00 | 5,219.00 | 5,552.00 | 5,860.00 | 6,024.00 | 6,078.00 | 6,220.00 | 6,745.00 |
| Interest on advances and bills | 2,390.00 | 3,377.00 | 3,570.00 | 3,901.00 | 3,959.00 | 4,138.00 | 4,272.00 | 4,748.00 |
| Income on investments | 1,548.00 | 1,528.00 | 1,550.00 | 1,537.00 | 1,585.00 | 1,592.00 | 1,567.00 | 1,602.00 |
| Interest on balances with the RBI and interbank funds | 213.00 | 272.00 | 394.00 | 389.00 | 423.00 | 348.00 | 360.00 | 369.00 |
| Other interest | 35.00 | 42.00 | 38.00 | 33.00 | 57.00 | 0.00 | 21.00 | 25.00 |
| Interest expended | 2,415.00 | 3,302.00 | 3,564.00 | 3,672.00 | 3,770.00 | 3,778.00 | 3,842.00 | 4,046.00 |
| Other income | 780.00 | 647.00 | 861.00 | 1,125.00 | 835.00 | 993.00 | 1,186.00 | 1,392.00 |
| Total income | 4,965.00 | 5,866.00 | 6,413.00 | 6,985.00 | 6,859.00 | 7,071.00 | 7,406.00 | 8,137.00 |
| Employee benefit expense | 946.00 | 1,062.00 | 1,253.00 | 1,543.00 | 1,208.00 | 1,304.00 | 1,323.00 | 1,618.00 |
| Operating expenses | 1,360.00 | 1,581.00 | 1,730.00 | 2,039.00 | 1,768.00 | 1,862.00 | 1,978.00 | 2,392.00 |
| Expenditure excluding provisions and contingencies | 3,775.00 | 4,884.00 | 5,294.00 | 5,712.00 | 5,538.00 | 5,640.00 | 5,820.00 | 6,438.00 |
| Operating profit before provisions | 1,190.00 | 982.00 | 1,119.00 | 1,273.00 | 1,321.00 | 1,432.00 | 1,586.00 | 1,699.00 |
| Provisions and contingencies | 406.00 | 342.00 | 342.00 | 467.00 | 459.00 | 493.00 | 590.00 | 663.00 |
| Exceptional items | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit before tax | 784.00 | 640.00 | 777.00 | 806.00 | 862.00 | 939.00 | 996.00 | 1,036.00 |
| Tax expense | 279.00 | 238.00 | 274.00 | 280.00 | 312.00 | 336.00 | 357.00 | 384.00 |
| Profit for the period | 505.00 | 402.00 | 503.00 | 526.00 | 551.00 | 603.00 | 639.00 | 652.00 |
| Profit attributable to owners | 497.00 | 404.00 | 505.00 | 538.00 | 555.00 | 607.00 | 640.00 | 666.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| con:SHARE_OF_ASSOCIATES | -7.00 | 2.00 | 2.00 | 12.00 | 4.00 | 4.00 | 1.00 | 13.00 |
| Earnings per share, basic | 0.42 | 0.34 | 0.42 | 0.45 | 0.45 | 0.50 | 0.54 | 0.56 |
| Earnings per share, diluted | 0.42 | 0.34 | 0.42 | 0.45 | 0.45 | 0.50 | 0.54 | 0.56 |
Annual results, as filed
| Line | 2024-03-31 | 2025-03-31 |
|---|---|---|
| Interest earned | 21,854.00 | 25,067.00 |
| Interest on advances and bills | 14,162.00 | 17,117.00 |
| Income on investments | 6,124.00 | 6,347.00 |
| Interest on balances with the RBI and interbank funds | 1,411.00 | 1,502.00 |
| Other interest | 157.00 | 101.00 |
| Interest expended | 13,754.00 | 15,437.00 |
| Other income | 3,266.00 | 4,407.00 |
| Total income | 25,120.00 | 29,474.00 |
| Employee benefit expense | 4,887.00 | 5,453.00 |
| Operating expenses | 6,790.00 | 7,999.00 |
| Expenditure excluding provisions and contingencies | 20,544.00 | 23,436.00 |
| Operating profit before provisions | 4,576.00 | 6,037.00 |
| Provisions and contingencies | 2,007.00 | 2,204.00 |
| Profit before exceptional items and tax | — | 3,834.00 |
| Exceptional items | 0.00 | 0.00 |
| Profit before tax | 2,569.00 | 3,834.00 |
| Tax expense | 915.00 | 1,389.00 |
| Profit for the period | 1,654.00 | 2,445.00 |
| Profit attributable to owners | 1,672.00 | 2,468.00 |
| Profit attributable to non-controlling interests | 0.00 | 0.00 |
| con:SHARE_OF_ASSOCIATES | 18.00 | 23.00 |
| Earnings per share, basic | 1.40 | 2.06 |
| Earnings per share, diluted | 1.40 | 2.06 |
Balance sheet, as filed
| Line | 2022-09-30 | 2023-09-30 | 2024-03-31 | 2024-09-30 | 2025-03-31 |
|---|---|---|---|---|---|
| Capital | 11,956.00 | 11,956.00 | 11,956.00 | 11,956.00 | 12,540.00 |
| Reserves and surplus | 12,270.00 | 14,307.00 | 15,258.00 | 16,056.00 | 18,345.00 |
| Deposits | 235,149.00 | 249,411.00 | 263,130.00 | 275,777.00 | 293,542.00 |
| Borrowings | 19,575.00 | 32,857.00 | 25,331.00 | 21,727.00 | 28,687.00 |
| Other liabilities and provisions | 6,257.00 | 6,722.00 | 7,873.00 | 7,158.00 | 9,247.00 |
| Total equity and liabilities | 285,207.00 | 315,253.00 | 323,548.00 | 332,674.00 | 362,361.00 |
| Cash and balances with the RBI | 13,818.00 | 11,892.00 | 10,197.00 | 10,306.00 | 10,359.00 |
| Balances with banks and money at call | 15,884.00 | 24,776.00 | 18,828.00 | 16,065.00 | 25,768.00 |
| Investments | 97,759.00 | 95,036.00 | 92,761.00 | 93,557.00 | 94,153.00 |
| Advances | 135,428.00 | 162,597.00 | 182,022.00 | 193,030.00 | 215,135.00 |
| Property, plant and equipment | 3,383.00 | 3,547.00 | 3,781.00 | 3,825.00 | 3,852.00 |
| Other assets | 18,935.00 | 17,406.00 | 15,958.00 | 15,891.00 | 13,095.00 |
| Total assets | 285,207.00 | 315,253.00 | 323,548.00 | 332,674.00 | 362,361.00 |
Asset quality and capital, as filed
| Line | 2022-03-31 | 2022-09-30 | 2022-12-31 | 2023-03-31 | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-31 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross non-performing assets | 10,237.00 | 9,359.00 | 8,506.00 | 7,726.00 | 7,355.00 | 6,939.00 | 6,905.00 | 6,463.00 | 6,420.00 | 6,294.00 | 6,082.00 | 5,919.00 |
| Net non-performing assets | 3,316.00 | 2,700.00 | 2,407.00 | 2,018.00 | 1,877.00 | 1,802.00 | 1,700.00 | 1,622.00 | 1,473.00 | 1,406.00 | 1,283.00 | 1,068.00 |
| Gross NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net NPA, per cent | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Return on assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| CET-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Additional Tier-1 ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Who owns it
The shareholding pattern filed with the exchange every quarter, as a series. Percentages are of total shares. Each figure names the filing it was read from and the date it was filed.
| Holder | 2023-06-30 | 2023-09-30 | 2023-12-31 | 2024-03-31 | 2024-06-30 | 2024-09-30 | 2024-12-31 | 2025-03-28 | 2025-03-31 | 2025-06-30 | 2025-09-30 | 2025-12-31 | 2026-03-31 | 2026-06-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoter and promoter group | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 95.39 | 90.95 | 90.95 | 90.95 | 0.91 | 0.91 | 0.91 | 0.91 |
| Domestic institutions | 1.35 | 1.37 | 1.33 | 1.32 | 1.33 | 1.33 | 1.33 | 5.36 | 5.36 | 4.74 | 0.05 | 0.04 | 0.04 | 0.04 |
| Mutual funds | — | — | — | — | — | — | — | — | — | 0.20 | 0.00 | 0.00 | 0.00 | 0.00 |
| Insurance companies | 1.24 | 1.25 | 1.24 | 1.24 | 1.24 | 1.24 | 1.24 | 3.44 | 3.44 | 3.23 | 0.03 | 0.03 | 0.03 | 0.03 |
| Foreign institutions | 0.05 | 0.10 | 0.01 | 0.03 | 0.03 | 0.02 | 0.02 | 0.44 | 0.44 | 0.14 | 0.00 | 0.00 | 0.00 | 0.00 |
| Public | 4.61 | 4.61 | 4.61 | 4.61 | 4.61 | 4.61 | 4.61 | 9.05 | 9.05 | 9.05 | 0.09 | 0.09 | 0.09 | 0.09 |
| Non-institutional | 3.21 | 3.14 | 3.28 | 3.25 | 3.25 | 3.26 | 3.25 | 3.25 | 3.25 | 4.17 | 0.04 | 0.04 | 0.05 | 0.05 |
| Shares outstanding | 11955958176 | 11955958176 | 11955958176 | 11955958176 | 11955958176 | 11955958176 | 11955958176 | 12539558979 | 12539558979 | 12539558979 | 12539558979 | 12539558979 | 12539558979 | 12539558979 |
Related parties
Transactions with related parties as disclosed to the exchange for the period ending 2024-09-30, by counterparty, largest first. Amounts are as filed. Each row names the filing and the date it was filed.
| Counterparty | Relationship | Type | Amount in the period | Transactions |
|---|---|---|---|---|
| ASHWANI KUMAR | MANAGING DIRECTOR & CEO | Remuneration | 1,930,000.00 | 1 |
| RAJENDRA KUMAR SABOO | EXECUTIVE DIRECTOR | Remuneration | 1,842,000.00 | 1 |
| VIJAYKUMAR NIVRUTTI KAMBLE | EXECUTIVE DIRECTOR | Remuneration | 1,636,000.00 | 1 |
What management said
Every earnings call we hold for this company, read in full. Prepared remarks are separated from the question-and-answer session and every paragraph names who said it and on which page. These are management’s own words, not filed figures.
| Date | Quarter | Who spoke | |
|---|---|---|---|
| 2026-07-30 | Q1FY27 | Read the call | |
| 2026-05-02 | Q4FY26 | Read the call | |
| 2026-01-28 | Q3FY26 | Read the call | |
| 2025-10-24 | Q2FY26 | Read the call | |
| 2025-07-28 | Q1FY26 | Read the call | |
| 2025-05-03 | Q4FY25 | Read the call | |
| 2025-01-28 | Q3FY25 | Read the call | |
| 2024-11-14 | Q2FY25 | Read the call | |
| 2024-10-24 | Q2FY25 | Read the call | |
| 2024-05-03 | Q4FY24 | Read the call | |
| 2024-02-02 | Q3FY24 | Read the call | |
| 2023-11-08 | Q2FY24 | Read the call | |
| 2023-08-02 | Q1FY24 | Read the call | |
| 2023-02-13 | Q3FY23 | Read the call |
What they said about it, quarter by quarter
| Topic | Q2FY26 | Q3FY23 | Q3FY24 | Q3FY25 | Q3FY26 | Q4FY24 | Q4FY25 | Q4FY26 |
|---|---|---|---|---|---|---|---|---|
| Capex | — | Right, which is good compared to peers, 22 is fine, and one is, we would like to know what the sustainability of advances growth is, particularly the … | — | — | — | — | — | — |
| Capital allocation | — | I'm not paying any dividend on the capital, and I have the option of either paying dividend or not paying dividend. | And second question is, why no dividend? | So that will help me in getting quality CASA customers’ acquisition when our people go in the market. | — | And bank has also declared dividend for the first time after nine years; 2.8% dividend because of the consistent profit for the last three years bank … | Board of the bank has approved a recommended dividend of 3.90%, as it is 2.80% last year. | Our capital adequacy ratio has improved to 18.61%, with Tier-1 capital of 16.59%. − The Board has approved declaration of dividend at the rate of 4.40… |
| Debt and cash | — | For instance, they lend to a borrower based on his Kacha book, and all that if he's doing some business, sit with him for 2-3 days, look at his cash f… | They will be processing and we will look at from our policy angles and then wherever we are in a position to participate we’ll participate and second … | So wherever bankable project where cash flow feasibility is there, promoter standing is there, our bank has been funding those projects and we'll cont… | Can you indicate if people are approaching you for some kind of working capital or term loan facilities where resources companies are concerned? - Mr.… | — | So 14 journeys have already been launched of which the important was the announcement made by Honorable FM in the last to last budget where the cash f… | — |
| Demand | So, these all are the financial performance parameters of the bank which I wanted to highlight in this forum. − Now, I will come to the various initia… | But what has happened is that the reason why the international operations of most of our foreign offices of most of the banks have grown is because wh… | And what kind of pipeline do you see in infrastructure and corporate banks in the current quarter? - Mr. Ashwani Kumar – MD & CEO, UCO Bank: - Then sa… | So, which segment is driving this and how is the demand outlook on this segment? | Then 10 more digital journeys are in pipeline in the Project Parivartan. | So, I think going forward also, that same ratio will be maintained, because we have to have 18% security, of course, in any way to have SLR investment… | To enhance the services to our customers, we have revamped our chatbot also, that is UDAY, called UDAY, where account-related 16 services and 14 gener… | Project Parivartan Phase 2 has been launched. o Centralized monitoring systems have been implemented for credit loans sanctioned through the ED CAM po… |
| Guidance | We were able to maintain CASA at 38.11%, and the guidance for CASA given was 37-38%. | Banks being the torch bearer of the economic growth, we expect the bank to continue to scale to new heights and win the investor confidence. | Based on that only we will provide for dividend and we will give you the guidance on the dividend then. - Mr. Deo – Participant: - Thank you very much… | First of all, I would like to share the business performance of the Bank in Q3, our guidance, initiatives taken and plans then we will have your obser… | And within the SMA book, if I have to look at the corporate SMA, SMA-1 and 2 in the corporate segment, it is only ₹316 crore. - Coming to recovery, re… | And if we look at overall annual slippage ratio of the bank that we had given a guidance of 1.25%, it is at 1.27%, whereas in the previous year it was… | For the full financial year, the net profit was 2445 crores with a growth of 47.80%. - Now coming to the guidance which we have given at the start of … | Our CASA ratio was maintained above 38; our guidance was 37 to 38, and CASA was 38.65, improved by 75 bps |
| Margin | We have not yet ventured into this, but definitely we will be looking into this area now. − Mr. Sushil Choksey – Participant: − Sir, my question is mo… | Also, you having a less CASA of less than 38 or almost 38% and so the passing of this market rate is immediate to you.Any strategy, whether you want t… | — | — | Net interest margin improved to 3.08 % on the global and domestic NIM stood at 3.27 % as against 3.03 % global and 3.23 % in domestic last quarter. | For domestic, the net interest margin for the quarter was 3.25%, and on a global basis it was 3.03%, and on a yearly basis net interest margin for dom… | — | So, what are the steps we're undertaking to build towards a 1% ROA franchise? − Mr. Ashwani Kumar - MD & CEO, UCO Bank: − To build on ROA, we need to … |
| People | — | That way, when we are hiring people, we hire from the market, and later, we'll have to train these people in these areas.One particular project we hav… | For that we have already gone to the market for hiring, skilled level in IT, in risk management, in credit, in data analytics, and we'll be onboarding… | — | — | — | — | — |
| Pricing | So, we did not agree to the lower pricing, and we thought that instead of bringing our NIMs under pressure, it is better to not go for a top-line grow… | Also, we'd like to see the pricing at which we would be able to raise AT1 bonds.It is only for that purpose that we want to access the market, and as … | Because our loan pricing link to MCLR can easily absorb it. | — | That is basically because of some pricing issues. | And if the pricing, which we quoted, if it is not acceptable to them, and which they quote, that is not acceptable to us, if we are not making any mon… | Sometimes you get a better opportunity, better pricing, yield, then you go for it. | But pricing is the biggest challenge, where we would not like to compromise before entering into a deal. − Mr. Ashok Ajmera – Ajcon Global: − Okay, si… |
| Revenue growth | Just to give you a brief on the bank's performance in this quarter and half-year ended September '25: Business of the bank grew by 13.23%, of which de… | As our country is expected to grow at a robust growth of 7% this year. | So quarter-on-quarter there was a growth of 14%, and, net profit also for the quarter was Rs. | Our CASA growth was around 8.24% on a YoY basis. | Though we have already uploaded the presentation, I believe that every one of you have gone through but brief about the results of the bank I would li… | − And as far as operating profit is concerned, operating profit for the full 12 months stood at Rs.4,576 crores, registering a growth of 5.43% on a Yo… | Overall business growth of the bank, bank's business grew by 14.12% on a YonY basis and bank crossed 5 lakh crore business. | Within Deposits, our CASA growth was around 12.46%, Savings grew 11.78%, and the current account registered a growth of 16.77%. |