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UCO BANK (A Govt. of India Undertaking) Honours Your Trust - PowerPoint PPT Presentation

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UCO BANK (A Govt. of India Undertaking) Honours Your Trust Financial Results Q3 & 9 Months Ended (FY 2019-20) Domestic Overseas Total Branches 20 3086 2 3088 Jammu and Kashmir 173 Himachal Pradesh 11 Chandigarh 171 57 Punjab

  1. UCO BANK (A Govt. of India Undertaking) Honours Your Trust Financial Results Q3 & 9 Months Ended (FY 2019-20)

  2. Domestic Overseas Total Branches 20 3086 2 3088 Jammu and Kashmir 173 Himachal Pradesh 11 Chandigarh 171 57 Punjab Uttarakhand 98 2 Haryana Arunachal 61 Pradesh Delhi 6 223 Sikkim 284 6 144 Rajasthan 8 Uttar Pradesh Nagaland Assam 229 Meghalaya 13 Bihar Manipur 29 73 3 385 Tripura Jharkhand Mizoram 113 167 West Bengal Gujarat Madhya Pradesh 56 Chhattishgarh 2 249 1 Daman & Diu Odisha Dadra & Nagra Haveli 179 No of ATMs Maharashtra 37 Telengana 2048 10 64 43 Goa Karnataka Andhra Pradesh 1 1 9 Andaman & Nicober Lakshadweep Pondicherry 110 Tamil Nadu 48 Kerala www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  3. Contents Highlights: Q3 FY 2019-20 Business Segment Performance Assets Quality Financials Capital & Shareholding Digitalization www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  4. Highlights: Q3 FY 2019-20 Honours Your Trust

  5. Highlights Q3 2019-20 OPERATING LOANS TOTAL NII PROFIT BUSINESS ₹ 1,13,805 Cr. ₹ 1,211 Cr. ₹ 1,237 Cr. ₹ 3,02,242 Cr. CASA CRAR CASA NET NPA PCR 6.34% 40.16% 10.27% 83.71% 53.6% [50.2%] www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  6. Performance at a glance-Business ₹ in (Cr) Business Mix Dec-18 Sep-19 Dec-19 Mar-19 Y-O-Y(%) (Deposits + Advances) 317480 291516 306914 302242 3.68 Global Business Domestic 304017 279951 292254 289872 3.54 Overseas 13463 11565 14660 12370 6.96 Global Deposits 197907 177905 189585 188437 5.92 Domestic 192278 172891 184667 184263 6.58 Overseas 5629 5014 4918 4174 -16.76 Global Advances (Gross ) 119573 113610 117329 113805 0.17 111739 107060 107587 105609 -1.36 Domestic Overseas 7834 6550 9742 8196 25.12 CD Ratio (%) 60.42 63.86 61.89 60.39 - www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  7. Performance Highlights 25% 20% 15% www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  8. Performance Highlights ₹ in (Cr) ₹ in (Cr) 30% ₹ in (Cr) ₹ in (Cr) 25% 20% 15% www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  9. Performance Highlights ₹ in (Cr) ₹ in (Cr) ₹ in (Cr) 25% 20% 15% www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  10. Business Segment Performance Honours Your Trust

  11. Global Deposits ₹ in (Cr) Particulars Dec-18 Sep-19 Dec-19 56820 60346 61154 Saving Deposits Current Deposits 8968 16104 14101 CASA 65788 76450 75255 Term Deposits 107104 108217 109008 Overseas Deposits 5014 4918 4174 177905 189585 188437 Global Deposits www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  12. Domestic Industry Wise Exposure ₹ in (Cr) Industry Exposure Particulars Dec-18 Sep-19 Dec-19 (%) Infrastructure 22900 23139 19918 24.49 NBFC 7906 9635 12082 14.86 Basic Metal Products 13117 12075 10574 13.00 Construction 3110 3070 3878 4.77 Food Processing 3846 4055 3662 4.50 Textile 3105 3161 2943 3.62 All Engineering 5458 4900 5038 6.20 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  13. Priority Sector Advance ₹ in (Cr) Y-O-Y Industry Dec-18 Sep-19 Dec-19 % Growth % to ANBC 20638 23412 23321 13.00 18.20 Agriculture 10679 10891 10969 2.72 8.56 Out of which, S&MF 22667 21436 22438 -1.01 17.51 MSME 11831 10865 11190 -5.42 8.73 Out of which, Micro 8577 9093 9310 8.55 7.26 Housing Loan 1214 1153 1123 -7.47 0.88 Education Loan 298 27 27 -90.92 0.02 Others Total Priority Sector 53394 55122 56220 5.29 43.87 Advances www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  14. RAM share in Domestic Advances ₹ in (Cr) Retail Advance Agriculture Advance MSME Advance Dec-18 21345 20638 22667 23412 23412 23321 Sep-19 24235 23321 24323 Dec-19 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  15. Assets Quality Honours Your Trust

  16. Rating Profile External Rating Distribution of Domestic Advances above 5 Cr. ₹ in (Cr) A& Above BBB BBB Below Unrated Dec-18 11283 3496 3056 7088 14710 3874 5016 5979 Sep-19 Dec-19 15996 3544 3946 5724 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  17. Asset Quality-Sequential ₹ in (Cr) Item Mar-19 Dec-18 Sep-19 Dec-19 29888 31122 25665 22140 Gross NPA Net NPA 9650 11756 7238 6200 Gross NPA % 25.00 27.39 21.87 19.45 Net NPA% 9.72 12.48 7.32 6.34 Provision Coverage Ratio % 74.93 69.49 81.19 83.71 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  18. Movement of NPA ₹ in (Cr) Year Ended Quarter Ended Nine Months Ended Item Mar-19 Dec-18 Sep-19 Dec-19 Dec-18 Dec-19 Opening Balance 30550 29581 29432 25665 30550 29888 Slippages 9082 3466 1378 2078 7449 4689 Less Recovery + Write off 7412 1264 4796 5312 5062 11568 Upgradation 2332 661 349 291 1815 869 Total reduction 9744 1925 5145 5603 6877 12437 Closing Balance 29888 31122 25665 22140 31122 22140 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  19. Asset Quality-NCLT ₹ in (Cr) 1 st List 2 nd List Others Total Exposure to number of accounts 5 13 117 135 referred under IBC (as per RBI List) Loan Outstanding as of 196.43 2038.76 5728.81 7964 31 st December 2019 ( ₹ Cr.) Total Provisions held upto 190.65 1734.76 4801.55 6726.96 31 st December 2019 ( ₹ Cr.) Figures are excluding Technical write-off www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  20. Financials Honours Your Trust

  21. Balance Sheet ₹ in (Cr) 31.03.2019 31.12.2018 30.09.2019 31.12.2019 CAPITAL & LIABILITIES Capital 5423 3955 7362 8623 Share Application Money 3596 3076 2130 - Reserves & Surplus 8371 8322 8648 8591 Deposits 197907 177905 189585 188437 Borrrowings 8324 7145 12505 10523 Other Liabilities & Provisions 6863 6056 7284 7975 Total 230484 206460 227514 224149 ASSETS Cash and Balances with RBI 8823 7754 9292 8646 Balances with Banks and Money at 15609 9047 10525 7123 Call and Short Notice Investments 82232 71029 83564 83753 Advances 99314 94264 98844 97804 Fixed Assets 2822 2843 2802 2811 Other Assets 21684 21521 22487 24012 Total 230484 206460 227514 224149 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  22. Operating Revenues ₹ in (Cr) Year Ended Quarter Ended Nine Months Ended Sl. Parameters Mar-19 Dec-18 Sep-19 Dec-19 Y-O-Y(%) Dec-18 Dec-19 Y-O-Y(%) 1 14331 3337 3805 3771 Interest Income 12.99 10549 11392 7.99 2 10019 2511 2538 2534 Interest Expenses 0.93 7530 7554 0.33 3 NII (1-2) 4311 827 1266 1237 49.60 3019 3838 27.11 Non-Interest 4 1514 248 729 743 199.50 1147 2102 83.33 Income 5 Operating Expenses 3064 693 788 770 10.98 2096 2321 10.73 Operating Profit 6 2760 381 1207 1211 217.38 2070 3619 74.86 (3+4-5) 7 7081 1380 2099 2171 Provisions 57.28 4839 6073 25.50 8 Net Profit -4321 -999 -892 -960 -3.86 -2769 -2454 -11.39 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  23. Net Interest Income ₹ in (Cr) Year ended Quarter Ended Nine Month Ended Particulars March-19 Dec-18 Sep-19 Dec-19 Y-O-Y (%) Dec-19 Y-O-Y (%) Dec-18 Interest Income 14331 3337 3805 3771 12.99 10549 11392 7.99 a. From Advances 7825 1927 2078 2054 6.59 5939 6129 3.20 b. From Investments 5348 1206 1403 1486 23.25 3801 4433 16.63 1158 204 323 230 12.78 c. Others 810 830 2.57 Interest Expended 10019 2510 2538 2534 0.93 7530 7554 0.33 a. On Deposits 9329 2355 2344 2336 -0.81 6996 7010 0.19 b. On Borrowings 250 55 70 61 11.17 195 188 -3.43 c. Subordinated Bonds 440 101 125 137 35.95 338 356 5.35 & Others Net Interest Income 4311 827 1266 1237 49.60 3019 3838 27.11 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

  24. Non Interest Income ₹ in (Cr) Year ended Quarter Growth Nine Months Ended Particulars March-19 Y-o-Y(%) Dec-19 Y-O-Y (%) Dec-18 Sep-19 Dec-19 Dec-18 a) Treasury Income 442 91 449 201 121.12 352 967 174.49 b) Recovery in Written Off 448 40 158 438 984.86 353 766 117.05 c) Other Non Interest Income 624 117 122 104 -10.71 441 369 -16.41 Total (a+b+c) 1514 248 729 743 199.50 1147 2102 83.33 www.ucobank.com 1800 274 0123 Follow us on: Honours Your Trust

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