Investor Presentation

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Peregrine Cameron
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1 FINANCIAL RESULTS FOR THE QUARTER & NINE-MONTH ENDED DEC 2013 Investor Presentation UCO BANK 1

2 BANKS OPERATING ENVIRONMENT Positives in Q3: Improving liquidity situation Ebbing stress on cost of funds Stable loan growth Negatives in Q3: Asset quality stress staying elevated Fresh loan restructuring Un-provided MTM loses, especially for public sector banks UCO BANK 2

3 HIGHLIGHTS OF UCO PERFORMANCE 9-month Operating Profit (Rs.3567Cr.) & Net Profit (Rs.1226 Cr.) of FY 14 has registered remarkable 53.42% and % rise respectively over the same period of FY Q3FY 14 Net Profit (Rs. 315 Cr. ) shoots up 207 % YOY Operating Profit for Q3 (Rs Cr.) jumps 37% YoY Net Interest Income in Q3 (Rs Cr.) rises 33% YoY More than 200 brick-and-mortar branches opened and more than 900 ATMs installed in 2013 calendar year. UCO BANK 3

4 UCO BANK 4

5 9-Mth BANK PERFORMANCE AT A GLANCE (GLOBAL) [ Figs. in Rs.Crore except mentioned otherwise ] As on / during the nine-month Y-O-Y Growth Parameters ending Dec 12 Dec 13 Amt % Total Branches (No.) Total Business Total Deposit Total Advances Net Investment Operating Profit Net Profit CD Ratio (%) UCO BANK 5

6 Qtrly. BANK PERFORMANCE AT A GLANCE (GLOBAL) Parameters As on / during the Quarter ending [ Figs. in Rs.Crore excepting ratios ] Variation Dec 13/Dec 12 (Y-o-Y) Variation Dec 13/Sep 13 (Q-o-Q) Dec 12 Sep'13 Dec 13 Amt % Amt % Total Business Total Deposit Total Advances Operating Profit Net Profit CD Ratio (%) UCO BANK 6

7 DEPOSIT COMPONENTS Parameters Dec 12 Sep'13 Dec 13 [ Figs. in Rs. Crore excepting ratios ] Variation (Y- Dec 13/Dec 12 o-y) Variation Dec 13/Sep 13 (Q-o-Q) Amt % Amt % A)Deposit (Domestic) Current Savings CASA Share of CASA (%) Normal Term Deposit Core Deposit B)Deposit (Overseas) C)Total Deposit (Global) UCO BANK 7

8 INVESTMENT PORTFOLIO as on Portfolio Amount INR Crs % to NDTL Investment in SLR HFT AFS HTM Sub Total (Investment in SLR) Investment in Non - SLR HFT 0 AFS HTM Sub Total (Investment in Non - SLR) Gross Total (SLR + Non-SLR) UCO BANK 8

9 IRAN TRADE FIGURES Number of LCs advised till date 3152 Amounting to INR 17, Cr (approx) Exporter claim settled Amounting Rs. 31, Cr (Including Advance payment) Till date we have negotiated Rs 5, Cr UCO BANK 9

10 UCO BANK 10

11 INCOME,EXPENDITURE & PROFIT (GLOBAL) DURING THE PERIOD YoY % change Q3FY13 Q2FY14 Q3FY14 [ Amts. in Rs. Crore ] QoQ % Change 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 UCO BANK 11

12 BALANCE SHEET (GLOBAL) POSITIONS AS AT YoY % change [ Amts. in Rs.Crore ] QoQ % Change A)Capital & Liabilities Capital Reserves & Surplus Deposits Borrowings Other Liabilities & Provisions B)Assets Cash & Balances with RBI Balances with Banks Investments Advances Fixed Assets Other Assets UCO BANK 12

13 RATIO ANALYSIS Parameters Q3FY13 Q2FY14 Q3FY14 Cost of Deposit (%) Yield on Advances (%) Yield on Investment (%) Net Interest Margin (%) Cost to Income Ratio (%) NII Growth (%) GNPA (%) NNPA (%) NPA Provision Coverage (%) CRAR (Basel-II) (%) CRAR (Basel-III) (%) UCO BANK 13

14 PROFITABILITY INDICATORS Parameters Q3FY13 Q2FY14 Q3FY14 Return on Assets (%) Return on Equity (%) Opt. Profit to AWF (%) Book Value per Share (Rs.) Earnings per Share (Rs.) Net Worth (Rs.Cr.) excl. Reval Reserve UCO BANK 14

15 PROVISIONS MADE [ Amts. in Rs. Crore ] Variation Variation During the qtr ending Dec 13/Dec 12 (Y-o-Y) Dec 13/Sep 13 (Q-o-Q) Amt % Amt % Total Provisions Provision towards NPA Standard Assets Income Tax MAT Credit Entitlement Diminution in Fair value of Assets + Unrestructured a/c & Interest sacrifice Contingent Liability - - Depreciation on Investment AFS Pension/Employee Benefits Others UCO BANK 15

16 CDR CELL DATA Total References received Total References approved Quarter No. of cases Amt. (Rs. Cr.) No. of cases Amt. (Rs. Cr.) Q2FY , ,100 Q3FY , ,400 Q4FY , ,000 FY 12 9-Mths , ,500 Q1FY , ,000 Q2FY , ,900 Q3FY , ,600 Q4FY , ,000 FY 13Total , ,500 Q1FY , ,300 Q2FY , ,000 Q3FY , ,600 FY 14 9-Mths , ,900 GRAND TOTAL , ,900 UCO BANK 16

17 IMPAIRED ASSETS MOVEMENT A)NPA as at the beginning of Qtr. [ Figs. in Rs. Crore excepting %ages] Variation Variation During the qtr ending Dec 13/Dec 12 Dec 13/Sep 13 (Q-o-Q) Amt % Amt % B)Total Reduction (20.59) Cash Recovery Upgradation (30.51) (31.31) Write Off (46.23) C)Fresh Addition (51.21) (39.02) D)Gross NPAs end period (A-B+C): (0.31) Gross NPA (%) 5.53% 5.32% 5.20% (5.97) 0.00 (2.26) Net NPAs % % Net NPA (%) 3.32% 3.13% 3.06% (9.34) 0.00 (3.83) Recovery in writtenoff A/cs (67.86) (30.36) UCO BANK 17

18 SECTORWISE NPAs (DOMESTIC) [ Figs. in Rs. Crore ] Sl No Industry / Sector (Top 6) NPA AS ON Agriculture & Allied Activities Micro & Small Industries Medium Industries Large Industries Services Retail All Others Total UCO BANK 18

19 RESTRUCTURED STANDARD ASSETS Details Amt.(Cr.) Total Restructured Assets as on Add: Standard Accounts restructured during Q3FY Less: Total Standard Restructured accounts closed * 331 Total Standard Restructured as on ** % of Restructured Advances/Portfolio to Total Loans and Advances for the Quarter ending December, 2013 [Global Advances being Rs crores] 9.09 * Including the accounts which cease to attract higher provisioning ** Difference of Rs.555 Crs. on account of addition in the existing restructured accounts of three discom accounts of Jaipur, Ajmer and Jodhpur UCO BANK 19

20 BANK S EMPLOYEE PROFILE FY FY FY FY FY (as on ) Officer Staff Officer Staff Officer Staff Officer Staff Officer 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 Dec-13 Officer Staff Officer Staff Officer Staff Officer Staff Officer Staff <= 30 year >30 years to 45 years > 45 years to 55 years >55 years UCO BANK 20

21 FINANCIAL INCLUSION INITIATIVES Progress of Ultra-Small-Branch (USB) openings USB During Cum.on Initiatives Q3FY Villages covered with population 2000 and above Villages covered with population below Total no. of villages covered Out of above, Villages under DBT Total no. of Basic Savings Bank Deposit 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 Ultra Small branches opened UCO BANK 21

UCO BANK Branches Andaman & Nicobar 1 Andhra Pradesh 71 Arunachal Pradesh 2 Assam 130 Bihar 214 Chandigarh 9 Chhatisgarh 43 Dadra Nagar Haveli 1 Daman & Diu 1 Delhi 61 Goa 10 Gujarat 105 Haryana 77

22 UCO BANK Branches Andaman & Nicobar 1 Andhra Pradesh 71 Arunachal Pradesh 2 Assam 130 Bihar 214 Chandigarh 9 Chhatisgarh 43 Dadra Nagar Haveli 1 Daman & Diu 1 Delhi 61 Goa 10 Gujarat 105 Haryana 77 Himachal Pradesh 154 Jammu & Kashmir 15 Jharkhand 63 Karnataka 60 Kerala 39 Lakshwadweep 1 Madhya Pradesh 147 Maharashtra 172 Manipur 5 Meghalaya 6 Mizoram 2 Nagaland 4 Odisha 218 Pondicherry 7 Punjab 143 Rajasthan 190 Sikkim 5 Tamil Nadu 106 Tripura 20 Uttar Pradesh 230 Uttarkhand 40 UCO BANK West Bengal 361 Total -->

23 Shaping India Serving India Thank You. 23

Movement of business parameters

2 Movement of business parameters. [ Amt. in Rs. Crore ] During Qtr./ As on QE Q3 vs Q4 Change (%) Performance Highlights During FY/ As on END YoY Change (%) Q3 FY'17 Q4FY'17 2015-16 2016-17 209572 201285-3.95