IIP growth (%) Rates FY CPI(YoY) in % Repo Reverse Repo MSF Call Money(Daily movement) A p r.

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3 Rates FY13-14 Repo Reverse Repo MSF Call Money(Daily movement) A p r M a y J u n J u l A u g S e p O c t N o v D e c J a n F e b M a r IIP growth (%) Mar-13 Apr-13 May-13 Jun-13 Jul-13 Aug-13 Sep-13 Oct-13 Nov-13 Dec-13 Jan-14 Feb-14 Mar CPI(YoY) in %

4 The reality check Unhealthy combination of low-growth, high inflation, high interest rates and high indebtedness Debt-equity ratios for firms in power, telecom and roads are at 15-year highs and a sustained deleveraging will be required to create the balance sheet strength to finance the next capex cycle Among the BSE-200 non-financial group, 17% of firms have operating incomes that are less than 1.5 times their DSCR, preventing some projects already cleared from being executed The corollary of all this is rising impaired assets on public sector bank balance sheets 4

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6 Highlights of Performance during QE & FY ending Mar 14 Net Profit for Q4FY 14 (Rs. 285Cr. ) shoots up 470% YOY while same for FY (Rs Cr. ) rises % Operating Profit for Q4FY 14 (Rs. 1374Cr.) jumps 33.14% YoY while same for FY (Rs Cr. ) registers 47.6% growth Net Interest Income in Q4FY 14 (Rs. 1562Cr.) rises 15.87% YoY while NII for FY (Rs Cr. ) rises 32.25% Global Deposit (Rs lakh cr.) & Global Advance (Rs lakh cr.) as on 31 st Mar 2014 register 15.7% & 16.5 % growth respectively over the year-ago positions Retail Assets as on Mar 14 show sharp rise of 75.37% YoY to reach Rs. 16,545 cr. During FY 14 Gross NPAs reduced by 110 basis points to 4.32% (5.42%) and Net NPA by 79 basis points to 2.38% (3.17%) as on 31 St Mar14 During FY 13-14, opened/ installed 280 branches, 482 USBs, 825 ATMs taking totals to 2894 branches,1245 USBs, 2085 ATMs respectively Acquired lakh new customers in FY compared to lakh last year growth of 23.72% Performance Highlights 6

7 Movement of business parameters [ Amt. in Rs. Crore ] FY PARAMETERS Change (%) Change (%) Y-O-Y Y-O-Y Total Deposit at end FY Total Advance at end FY Total Income Net Interest Income Operating Profit Provisions Net Profit Gross NPA (amt.) Gross NPA % Net NPA (amt.) Net NPA % CASA(Dom.) Cost to income (%) ROA NIM (Global) NIM (Domestic) NPA Prov coverage Book Value per share Q4 Performance Highlights 7

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9 Deposit components [ Amt. in Rs. Crore ] QE Mar'13 QE Dec'13 Parameters QE Mar' A) Deposit (Domestic) Current Savings CASA Share of CASA (%) Normal Term Deposit Core Deposit B) Deposit (Overseas) C)Total Deposit (Global) Deposits, Advances & Investments 9

10 Segment wise Loans & Advances [ Amt. in Rs. Crore ] 31-Mar Dec-13 SEGMENT 31-Mar-14 Variation Mar'14/Mar'13 (Absolute) (%) Total advances Global (1+2) Domestic Advances (A to C) A) Retail (including Pool) % B) Priority Sector % of which Total Agriculture % Direct Agri % Indirect Agri % MSE % C) Other advances % Overseas Exposure % Deposits, Advances & Investments 10

11 Retail Business (including Pool) [ Amt. in Rs. Crore ] Position as on Position as on Position as on Scheme A/c Amount A/c Amount A/c Amount ** ** UCO Home ** ** ** UCO Car ** UCO Education UCO Cash ** ** Other Retail Schemes ** Total Retail ** including individual & pool accounts Deposits, Advances & Investments 11

12 Investment Portfolio as on [ Amts. in Rs. Crore ] Investment in SLR (G Sec) Portfolio Amount INR Crore % to NDTL HFT AFS HTM Sub Total (Investment in SLR) Investment in Non - SLR HFT AFS HTM Sub Total (Investment in Non - SLR) Priority Sector Investment Gross Total (SLR + Non-SLR) Deposits, Advances & Investments 12

13 Investments in Last 5 years [ Amts. in Rs. Crore ] SLR (G-sec) Non-SLR TOTAL CATEGORY Composition as on H T M % of Net Investment A F S % of Net Investment H F T % of Net Investment Gross Investment Depreciation & Provision Net Investment Deposits, Advances & Investments 13

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15 Salient Features of Asset Management During FY 14 Gross NPAs reduced by 110 basis points to 4.32% (5.42%) and Net NPA by 79 basis points to 2.38% (3.17%) as on 31 St Mar14 NNPA (%) GNPA (%) Mar' % 4.32% Dec'13 Sep 13 Jun 13 Mar' % 3.13% 3.15% 3.17% 5.20% 5.32% 5.58% 5.42% 2.00% 2.50% 3.00% 3.50% 4.00% 4.50% 5.00% 5.50% 6.00% Restructured Standard Assets brought down by Rs Cr. between 1 st Jan 14 and 31 st Mar 14 During the FY bank assigned 133 NPA accounts to ARCs involving Rs.1869 Cr. at a consideration price of Rs.1028 Cr. Created a separate vertical within the Recovery Dept. for effective monitoring of loss assets and their recovery Stressed Assets management 15

16 Impaired Assets movement Q-o-Q [ Amt. in Rs. Crore ] As on / during the QE Mar' Parameters Gross NPA (Opening beginning of Qtr/ FY) As on / during the QE Jun 13 Sep 13 Dec'13 Mar'14 As on/during FY Slippage (during the Qtr) Recovery + Upgradation Write off Gross NPA (Amt.) % Gross NPA (%) 5.58% 5.32% 5.20% 4.32% 4.32% Net NPA (Amt.) % Net NPA (%) 3.15% 3.13% 3.06% 2.38% 2.38% Stressed Assets management 16

17 Sectorwise NPAs (Domestic) [ Amt. in Rs. Crore ] Parameters As on / during the QE Mar'13 Jun 13 Sep 13 Dec'13 Mar'14 1 Agriculture & Allied Activities Micro & Small Industries Medium Industries Large Industries Services Retail All Others Total Stressed Assets management 17

18 Restructured Standard Assets (stock of 2 years as per disclosure norms) Q4 FY 14 Details Amt.(Cr.) Total Restructured Assets as on 01 Jan Add: Standard Accounts restructured during Q4FY Less: Total Standard Restructured accounts closed during Qtr.* 2414 Total Standard Restructured as on 31 Mar % age of Restructured Advances to Total Loans and Advances as on March, * Including the accounts which cease to attract higher provisioning As on As on Industry As on Power and Distribution Infrastructure Iron and Steel Aviation Information technology Others Total Stressed Assets management 18

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20 Q4 FY 13 During Qtr. Q4FY 14 Income, Expenditure & Profit (Global) [ Amt. in Rs. Crore] YoY Change Amt. % During FY YoY Change Amt. % I)Total Income (a+b) : a)interest Income Interest on Advances Income on Investments Other Interest Income b)other Income II)Total Expenses Interest Paid Operating Expenses III)Operating Profit (I-II): IV)Provisions V)Net Profit (III-IV) : Net Interest Income Financials & performance indicators 20

21 Ratio Analysis During During FY Q4 FY 13 Q4FY Cost of Deposit (%) Yield on Advances (%) Yield on Investment (%) Net Interest Margin Global (%) Net Interest Margin Domestic (%) Cost to Income Ratio (%) GNPA (%) NNPA (%) NPA Provision Coverage (%) CRAR (Basel-II) (%) Financials & performance indicators 21

22 Profitability Indicators During During FY Q4 FY 13 Q4FY Return on Assets (%) Return on Equity (%) Op. Profit to AWF (%) Book Value per Share (Rs.) Earnings per Share (Rs.) Net Worth (Absolute) excl. revaluation reserve Net-interest income to AWF (%) Non-interest income to AWF (%) Financials & performance indicators 22

23 Capital Adequacy [ Amt. in Rs. Crore] PARAMETERS Total Risk Weighted Assets Credit Risk Market Risk Operational Risk Total Capital Fund Tier I Capital Fund Tier II Capital Fund Not Applicable Capital Adequacy Ratio (%) Under Tier I (%) 8.90 BASEL II Tier II (%) Capital Adequacy Ratio (%) Under 7.26 Tier I (%) 8.71 BASEL III 3.90 Tier II (%) 3.97 Financials & performance indicators 23

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25 Awards & Accolades in FY Best Bankers Award 2013 (Large) Initiatives in Financial Inclusion given by THE `SUNDAY STANDARAD - The New Indian Express National Award to UCO Bank for the year based on outstanding performance in North-East Zone for implementing PMEGP scheme from Khadi & Village Industries Commission under the Ministry of Micro, Small & Medium Enterprises, Govt. of India. Global Sustainability Award-2014 under Outstanding Social Impact Category for UCO UTTHAN. Certificate of Excellence (FIPS AWARD, 2013) - Extension of Financial Services to Rural and Urban Area Given awarded by Elets Technomedia Pvt. Ltd. in Global Conference on Financial Inclusion & Payment System Third best bank Award for outstanding performance by its RSETIs from Ministry of Rural Development CIMSME MSME BANKING EXCELLENCE AWARDS-2013 under 2(Two) categories i. Jury Award for New Initiative, ii. Best Branding Award The Institute of Public Enterprises, Hyderabad awarded UCO Bank s CMD Sri Arun Kaul, its prestigious PE Asia Pacific CEO with HR Orientation Award and the Banks GM (HRM) its prestigious HR Leadership Award Skoch Renaissance Award 2013 for Development Skoch Inclusion Award 2013 for Securing Critical Application Access (Two factor authentication for CBS system). Prize from NPCI in recognition of Bank s extraordinary performance in CTS clearing Major Initiatives 25

26 New initiatives completed CBS Migration at Bank s Overseas Branches in Hong Kong and Singapore implemented Money Market module and Inter-bank FX module under Integrated Treasury Management project launched the facility of Know your a/c balance by SMS against missed call started 24x7 e-lobbies with ATM, Cash Deposit Machine, Cheque Deposit Machine, Pass Book Printing Machine put Pass book Printing Kiosk and Cash Deposit Machine at branches During FY 14, launched/ re-launched deposit schemes like UCO Double, UCO Dhan Varsha, UCO Dhan Laxmi, UCO Century, UCO Double Century, UCO Monthly Income Scheme, UCO Sowbhagaya, UCO Triple One in which the combined amount outstanding was Rs. 30,360 crore as on 31 Mar 2014 launched Bank s Mobile-version website accessible through hand-held devices appointed IIM-Ahmedabad as HR Transformation Consultant Major Initiatives 26

27 Financial Inclusion initiatives Initiatives During Q4FY14 Cum. as on Villages covered with > 2000 population (a) through Branches through BCs Villages covered with < 2000 population (b) through Branches 5 16 through BCs Total no. of villages covered (a) + (b) Out of above, Villages under DBT Total no. of No frill accounts opened (In lakh) No. of Smart card issued (In lakh) No. of transactions in the a/cs opened under ICT based BC model (in lakh) No. of KCCs extended (In lakh) No. of GCCs extended (In lakh) No. of all other Deposit accts (In lakh) No. of all other Advance accts (In lakh) No. of SHGs credit linked No. of JLGs credit linked Major Initiatives 27

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29 Customer acquisitions & Branch expansions Cust. Acquisition (lakhs) FY' FY' FY' FY' Branches Mar'10 31Mar'11 31Mar'12 31Mar'13 31Mar'14 Path traversed 29

30 Growth of Delivery Points 4,000 3,500 3,000 2,500 2,000 Biz.Corresp. Agents 2,020 3, USBs ,500 1, , Mar'10 31Mar'11 31Mar'12 31Mar'13 31Mar' ATMs Cards(lakh) 31 Mar' Mar' Mar' Mar' Mar' Mar' Mar' Mar' Mar' Mar' Path traversed 30

31 Changing Employee profile FY FY FY FY FY Officer Staff Officer Staff Officer Staff Officer Staff Officers Staff Opening Position Reduction during FY (Retirement & Promotion to Officer cadre etc.) Addition in FY (Recruitment & Promotion) Closing Balance Total Employee Mar Mar Mar Mar Mar-14 Officer Staff Officer Staff Officer Staff Officer Staff Officers Staff <= 30 year >30 yrs to 45 yrs > 45 yrs to 55 yrs >55 years TOTAL Path traversed 31

32 %age of Officers in Different Age Groups Age Profile of Officers <= 30 years >30 years to 45 years > 45 years to 55 years >55 years % 22.32% 33.95% 36.51% 33.16% 31.74% 80.00% 60.00% 40.00% 61.14% 47.79% 40.88% 29.72% 23.11% 16.66% 13.72% 20.00% 0.00% 11.46% 28.49% 8.87% 10.99% 23.40% 7.67% 7.28% 11.16% 31Mar'10 31Mar'11 31Mar'12 31Mar'13 31Mar'14 Path traversed 32

33 35.00% 30.00% CAGR between 31Mar 10 and 31Mar % 27.07% 25.00% 20.00% 18.74% 16.42% 15.00% 12.99% 10.00% 10.54% 10.19% 5.00% Total Deposits Total Advances Net Interest Income Operating profit Net Profit CASA Customer base Path traversed 33

34 34

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