Financial Results Q3/FY February 2019

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1 Financial Results Q3/FY February 2019

2 HIGHLIGHTS - DEC 2018 Total Business Total Deposit Gross Advance Operating Profit (Q-3) Rs Crore Rs Crore Rs Crore Rs. 381 Crore Basel III Tier I CAR 7.14 % Basel III Total CAR 9.33 % Branches (Including Foreign Branches) 3088 ATMs 2546 * (*Excluding 3600 Micro-ATMs)

3 Business Performance - Liabilities Domestic Total Deposit (Global) (Rs. Cr) Overseas % YOY Dec-2017 Jun-2018 Sept-18 Dec-2018 CASA Portfolio (Global) (Rs Cr) Savings Deposit Current Deposit % YOY Dec-17 Jun-18 Sept-18 Dec-18

4 Business Performance - Liabilities Avg. CASA % Dec-17 Jun-18 Sept-18 Dec-18

5 Investments Investment (Rs Crores) SLR (%) Non SLR (%) Mar-18 June-18 Sep-18 Dec-18 Particulars Dec 2018 (Rs. Crore) Sep (Rs. Crore) Dec (Rs. Crore) Held to Maturity Held for Trading Available for sale Total Investment

6 Statement of Assets & Liabilities As on As on As on As on (Rs Crores) Growth % Y-o-Y Q-o-Q LIABILITIES Capital Share Application Money Reserves & Surplus Deposits Borrowings Other Liabilities& provisions Total ASSETS Cash and Balance with RBI Balance with Bank & Money at Call & Short Notice Investments Advances Fixed Assets Other Assets Total

7 Cost & Yield Ratio Parameters Dec-2017 (Q3) (FY ) Sept 2018 (Q2) (FY ) Dec (Q3) (FY ) Domestic Global Domestic Global Domestic Global Cost of Deposit Cost of Funds Yield on Advances Yield on Investments Yield On Funds

8 Profitability Statement Rs Cr. Parameters Dec 17 (Q3) June 18 (Q1) Sept 18 (Q2) Dec 18 (Q3) Growth % (Y-o-Y) Interest Income Other Income Total Income Interest Expenses Operating Expenses Total Expenses Net Interest Income Operating Profit Provisions Net Profit

9 Non Interest Income Parameters Dec-17 June 18 (Q1) Sept 18 (Q2) Dec 18 (Q3) Growth% Y-o-Y Growth% Q-o-Q a) Treasury Income b) Recovery in Written Off Accounts c) Other Non Interest Income Total

10 Provisions Rs Cr. Parameters Dec-17 June-18 Sept-18 Dec-18 NPAs Standard Advances Provision for Investment Income Tax Provision related to staff Others Total Provisions

11 Asset Quality: Movement in Non Performing Assets Particulars (Rs. in Cr.) Gross Advances Gross NPA at the beginning of the qtr Addition during the quarter Amt recovered during the qtr Upgradation made during the qtr Amt written off during the qtr Total reduction of NPA Gross NPA at the end of the qtr Net NPA at the end of quarter Net Advance at the end of qtr Gross NPA to Gross Advance 20.64% 24.64% 25.71% 25.37% 27.39% Net NPA to Net Advance 10.90% 13.10% 12.74% 11.97% 12.48%

12 Basel III: Capital Adequacy Tier I Tier II In % Dec-17 June-18 Sept-18 Dec-18 Rs Crore Particulars Dec 17 June18 Sept 18 Dec 18 Risk Weighted Assets Capital Funds CRAR- BASEL III (%) Tier 1 (%) Tier-II(%)

13 Shareholding Pattern 0% 6% 3% Dec-18 Govt of India FIIs DIIs Public & Others 91%

14 Financial Inclusion Initiatives During Q3 FY19 Cum. as on Villages covered with > 2000 population (a) through Branches 1118 through BCs 1436 Villages covered with < 2000 population (b) through Branches 35 through BCs Total no. of villages covered (a) + (b) Total no. of No frill accounts opened (In lakh) No. of Smart card issued (In lakh) 0 0 No. of transactions in the a/cs opened under ICT based BC model during the year (in lakh) No. of KCCs extended (In lakh) No. of GCCs extended (In lakh) No. of SHGs credit linked No. of JLGs credit linked

15 Extensive & Specialized Distribution Network STATE No of Branches ANDAMAN &NICOBAR 1 ANDHRA PRADESH 43 ARUNACHAL PRADESH 2 ASSAM 144 BIHAR 229 CHANDIGARH 11 CHHATTISGARH 56 DADRA NAGRA HAVELI DAMAN AND DIU 2 DELHI 61 GOA 10 GUJARAT 113 HARYANA 98 HIMACHAL PRADESH 173 JAMMU AND KASHMIR 20 JHARKHAND 73 KARNATAKA 64 KERALA 48 1 STATE No of Branches LAKSHADWEEP 1 MADHYA PRADESH 167 MAHARASHTRA 179 MANIPUR 13 MEGHALAYA 8 MIZORAM 3 NAGALAND 6 ODISHA 249 PONDICHERRY 9 PUNJAB 171 RAJASTHAN 223 SIKKIM 6 TAMIL NADU 110 TELENGANA 37 TRIPURA 29 UTTAR PRADESH 284 UTTARAKHAND 57 WEST BENGAL 385 OVERSEAS BRANCH 02 GRAND TOTAL 3088 Domestic Branch Distribution by Urbanization 10% Rural, % 7% 25% Semi Urban, 820 Metro, % 10% Urban, 604 More than 60% of branches are located in Rural/semi urban areas Domestic Branch Distribution by Geography Eastern western northern Southern Cental Geographical Diversification Minimizes Regional Risk North East

16 Digital Banking - Initiatives In Progress-Road Ahead for ATMs/Debit Cards Issuance of Debit Card from any Branch (relaxation of Card Issuance from base Branch). 800 Self Service Passbook Printing Kiosks SMS to Customer when he attempted wrong/invalid PIN 3 times during transaction at ATM Machine. SMS to Customer when customer exhaust daily cash withdrawal limit from ATM Machine Income Tax Payment through Debit card. In Progress-Road Ahead for E-banking and/or M-banking Implementation of phone banking Implementation of New Internet Banking application

17 Digital Banking Progress a) Number of Transaction through Alternate delivery Channels Mar-18 Jun-18 Sep-18 Dec-18 Dec-17 YOY growth % Mbanking 56,10,977 61,13,784 67,80,395 81,77,972 22,40, UPI 84,29,383 1,08,22,648 1,33,14,300 2,11,24,803 57,19, Wallet 1,98,786 1,88,092 1,31,602 95,437 1,54, Ebanking 10,32,398 10,28,218 12,37,651 11,62,791 9,70, Debit card used at ATM/POS & E-comm 2,21,97,926 2,27,15,180 2,27,36,145 2,57,59,789 2,14,52, b) Mobile Banking Mobile Banking No of Users As on 31st Dec 2018 Mobile Banking Amount Transacted Value (Rs Crore) Mar 18 Jun-18 Sep-18 Dec-18 Dec-17 12,69,

18 Digital Banking Progress (continues...) Users of UCO BANK App & Y-O-Y growth % (Andriod & Ios cumulative ) User Dec-18 Dec-17 YOY growth % e-banking 9,47,139 7,86, M banking 12,69,940 7,65, UPI 1,91,264 84, Wallet 2,38,281 1,43, Y-O-Y growth % in Digital Banking % Growth Mobile Banking grew at Internet Banking grew at 19.85

19 New Initiatives (IT) Major Initiatives taken for ATMs and/debit Cards during FY Introduction of NFC enabled Contactless Debit Card equipped with NCMC functionality. Replacement of Non-Chip Card by EMV Cards First time usage of UCO Bank Debit cards at POS through pre-printed PIN Major Initiatives taken for E-banking and/or M-banking during FY Introduction of Nomination facility in online FD opening. SMS to customer in event of updation of 15G/15H in CBS. SMS to customer in event of adding or updating nomination details in any account. Facility of online transaction to Sukanya Samridhi Yojna through e-banking Transactional facility. To improve customer data protection, customer ID has been masked in User profile in UCO Secure.

20 Awards & Accolades NPCI s Special Award under National Payments Excellence Awards in May rd prize on IDRBT Banking Technology Innovation Contest(IBTIC)-2018 for UCO Secure App in April rd prize on IDRBT Banking Application Contest 2017 for UCO HRMS Plus. INFOSYS Finacle Client Innovation Award 2017 Winner in Segment Innovation in Project Management under Mid size Bank on

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