Terminal Business Mix

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Lauren Douglas
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1 12 th November 2018

2 Terminal Business Mix Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % 1 Business Domestic Overseas Deposits Domestic Overseas Advances Domestic Overseas CD Ratio (%)

3 Deposits Mix Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % Domestic Deposits (A) Saving Deposits Current Deposits CASA Deposits CASA (%) Domestic Normal Term Deposit (< ` 1 Cr) Bulk Deposit (>= ` 1 Cr)+ CD Overseas Deposits (B) Global Deposits (A+B)

4 Bank s Priority Sector Lending Position As on Outstanding % of ANBC As on As on PRIORITY SECTOR TOTAL AGRICULTURE DIRECT AGRICULTURE INDIRECT AGRICULTURE MSME

5 RAM Advances Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % Retail Agriculture MSME RAM

6 Domestic Investment Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % 1 Gross Investment Held to Maturity (HTM) Available for Sale (AFS) Held for Trading (HFT) Modified Duration (AFS+HFT) Total Modified Duration NDTL SLR (%) HTM to SLR (%) HTM to Gross Investment (%)

7 Profit & Loss Parameters Q2 FY19 Q1 FY19 Q2 FY18 Y-o-Y Y-o-Y Variation HY HY Variation Sep-18 Sep-17 Amt % Amt % 1 Interest Income Interest Expenses NII (1-2) Non-Interest Income 5 Operating Expenses 6 Operating Profit (3+4-5) Provisions Net Profit

8 Income : Break up Parameters Interest on 1 Advances Interest on 2 Investments Other Interest 3 Income Interest Income 4 (1+2+3) Q2 FY19 Q1 FY19 Q2 FY18 Y-o-Y Variation Y-o-Y HY HY Variation Sep-18 Sep-17 Amt % Amt % Fee Based Income Trading Profit Other Income Non Interest Income (5+6+7) Total Income (4+8)

9 Expenditure : Break up Parameters Interest on 1 Deposits Interest on 2 Borrowings Q2 FY19 Q1 FY19 Q2 FY18 Y-o-Y Y-o-Y Variation HY HY Variation Sep-18 Sep-17 Amt % Amt % Other Interest Paid Total Interest Paid (1+2+3) Staff Expenses Other Expenses Operating Expenses (5+6) Total Expenses 8 (4+7)

10 Provisions Parameters Q2 FY19 Q1 FY19 Q2 FY18 Y-o-Y Y-o-Y Variation HY HY Variation Sep-18 Sep-17 Amt % Amt % 1 NPA Standard Advances Provision for Investments Staff related Provisions Income Tax Others Total Provisions

11 Ratios Parameters Q2 FY19 Q1 FY19 Q2 FY18 HY Sep- 18 HY Sep Cost of Deposit (%) Yield on Advance (%) Yield on Investment (%) NIM (Global) (%) NIM (Domestic) (%) Cost to Income Ratio (%) GNPA (%) NNPA (%) PCR (%) CRAR (Basel-III) (%)

12 Ratios Parameters Q2 FY19 Q1 FY19 Q2 FY18 HY Sep- 18 HY Sep Return on Assets (%) Return on Equity (%) Book Value per Share (`) Earnings per Share (`) Net Worth Operating Profit to AWF (%) Non-Interest Income to AWF (%)

13 NPA Ratios Parameters Sep-18 Jun-18 Sep-17 Gross Advances GNPA (Amount) GNPA (%) Net Advances NNPA (Amount) NNPA (%) Provision Coverage Ratio (%)

14 Capital Adequacy Ratio (Basel-III) Parameters Sep-18 Jun-18 Sep-17 1 Common Equity Tier-1 Capital Additional Tier-1 Capital Total Tier-1 Capital (1+2) Tier-2 Capital Total Capital (3+4) Common Equity Tier-1 Capital (%) Additional Tier-1 Capital (%) Tier-1 Capital (%) Tier-2 Capital (%) CRAR (%) Credit Risk Market Risk Operational Risk Total RWA

15 INFORMATION TECHNOLOGY INITIATIVES Highlights Bank has successfully on-boarded on National Common Mobility Card (NCMC), this will help in touch and go while travelling through Metro trains, local buses & trains etc. Bank has replaced existing magnetic stripe debit card with secure EMV chip cards. Bank has introduced Green PIN to set / reset the ATM PIN at any UCO Bank ATM. Bank has introduced alert facility for transactions, as one more step towards the customer convenience. Bank has introduced Online fund transfer facility for Sukanya Samridhi Yojna through e-banking & m-banking. Bank has integrated Himachal State Tax and Maharashtra State Tax applications with its e-banking. This will enable customers to make online payments. Bank is on the verge completion of implementation of Near DR solution to ensure Zero Data Loss as per regulatory requirements.

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Highlights. Core Deposits stood at Rs.1,33,672 cr. as at the end of Sept,16 showing growth of 10.53% Y-o-Y basis

Highlights. Core Deposits stood at Rs.1,33,672 cr. as at the end of Sept,16 showing growth of 10.53% Y-o-Y basis Highlights Total Business stood at Rs. 3,44,428 cr. as at the end of Sept 16 against Rs.3,27,807 cr. as on Jun 16.(Increase by Rs.16,621 cr. over the qrt.) Global Deposits stood at Rs. 2,09,485 cr. as