Terminal Business Mix

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Transcription:

12 th November 2018

Terminal Business Mix Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % 1 Business 298823 294065 312175-13352 -4.28 Domestic 282257 274424 280393 1864 0.66 Overseas 16566 19641 31782-15216 -47.88 2 Deposits 182226 178212 188362-6136 -3.26 Domestic 176076 170408 175128 948 0.54 Overseas 6150 7804 13234-7084 -53.53 3 Advances 116596 115853 123813-7217 -5.83 Domestic 106181 104016 105265 916 0.87 Overseas 10416 11837 18548-8132 -43.84 4 CD Ratio (%) 63.98 65.01 65.73

Deposits Mix Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % Domestic Deposits (A) 176076 170408 175128 948 0.54 Saving Deposits 56280 54430 52108 4172 8.01 Current Deposits 10652 8796 9496 1156 12.17 CASA Deposits 66932 63226 61604 5328 8.65 CASA (%) Domestic 38.01 37.10 35.18 Normal Term Deposit (< ` 1 Cr) Bulk Deposit (>= ` 1 Cr)+ CD 88049 87752 89141-1092 -1.23 21095 19430 24383-3288 -13.48 Overseas Deposits (B) 6150 7804 13234-7084 -53.53 Global Deposits (A+B) 182226 178212 188362-6136 -3.26

Bank s Priority Sector Lending Position As on 30-09-2018 Outstanding % of ANBC As on 30-06-2018 As on 30-09-2017 PRIORITY SECTOR 53247 42.77 54003 54614 TOTAL AGRICULTURE 20353 16.35 20220 19819 DIRECT AGRICULTURE 15320 12.31 14988 12331 INDIRECT AGRICULTURE 5033 5.62 5232 7488 MSME 22993 18.34 23948 24400 4

RAM Advances Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % Retail 21209 21735 21497-288 -1.34 Agriculture 20353 20220 19819 534 2.69 MSME 22993 23948 24400-1407 -5.77 RAM 64555 65903 65716-1161 -1.77

Domestic Investment Parameters Sep-18 Jun-18 Sep-17 Y-o-Y Variation Amount % 1 Gross Investment 72677 68763 72848-171 -0.23 2 Held to Maturity (HTM) 43075 42342 43635-560 -1.28 3 Available for Sale (AFS) 29602 26279 29213 389 1.33 4 Held for Trading (HFT) 0 142 0 5 Modified Duration (AFS+HFT) 4.12 3.99 4.17 6 Total Modified Duration 5.26 5.32 5.18 7 NDTL 179723 179006 187099 8 SLR (%) 31.00 28.82 32.09 9 HTM to SLR (%) 77.32 82.08 72.67 10 HTM to Gross Investment (%) 59.27 61.58 59.90

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 3480 3732 3446 33 0.97 7212 7213-1 -0.02 2 Interest Expenses 2515 2504 2791-276 -9.88 5019 5716-697 -12.19 3 NII (1-2) 965 1228 655 309 47.16 2193 1497 696 46.47 4 Non-Interest Income 5 Operating Expenses 6 Operating Profit (3+4-5) 269 629 311-42 -13.43 899 782 117 14.94 728 675 723 5 0.69 1403 1426-23 -1.61 506 1182 244 262 107.60 1688 853 835 97.95 7 Provisions 1643 1816 866 776 89.59 3459 2138 1320 61.73 8 Net Profit -1136-634 -623-514 82.54-1770 -1286-485 37.71

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 % 1935 2076 1981-46 -2.31 4011 4167-155 -3.73 1310 1285 1274 36 2.82 2595 2612-17 -0.65 235 371 191 43 22.66 606 434 171 39.40 3480 3732 3446 33 0.97 7212 7213-1 -0.02 5 Fee Based Income 38 76 33 5 13.55 114 84 30 35.30 6 Trading Profit 147 114 197-50 -25.23 261 460-198 -43.15 7 Other Income 84 439 81 3 4.13 523 238 285 120.02 8 9 Non Interest Income (5+6+7) Total Income (4+8) 269 629 311-42 -13.43 899 782 117 14.94 3749 4361 3758-8 -0.22 8110 7995 116 1.44

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 % 2332 2310 2591-259 -9.98 4642 5299-657 -12.40 60 80 46 15 32.69 140 111 29 25.78 3 Other Interest Paid 122 115 154-32 -20.64 237 306-69 -22.44 4 Total Interest Paid (1+2+3) 2515 2504 2791-276 -9.88 5019 5716-697 -12.19 5 Staff Expenses 461 450 450 10 2.31 911 919-8 -0.87 6 Other Expenses 267 225 273-5 -1.99 492 507-15 -2.95 7 Operating Expenses (5+6) Total Expenses 8 (4+7) 728 675 723 5 0.69 1403 1426-23 -1.61 3243 3179 3514-271 -7.70 6422 7142-720 -10.08

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 1411 2038 1323 88 6.62 3449 2528 922 36.46 2 Standard Advances 1-150 -247 248-100.22-149 -251 101-40.35 3 4 Provision for Investments Staff related Provisions 518 499 117 401 324.41 1017 377 640 169.44 124 197 93 31 33.33 321 178 143 80.34 5 Income Tax -456-640 -202-254 125.49-1096 -735-361 49.10 6 Others 45-128 -218 263-120.64-83 41-124 -302.44 Total Provisions 1643 1816 866 777 89.72 3459 2138 1321 61.79

Ratios Parameters Q2 FY19 Q1 FY19 Q2 FY18 HY Sep- 18 HY Sep- 17 1 Cost of Deposit (%) 5.10 5.05 5.47 5.06 5.50 2 Yield on Advance (%) 9.13 9.67 8.44 9.39 8.79 3 Yield on Investment (%) 7.14 7.16 7.41 7.14 7.50 4 NIM (Global) (%) 1.67 2.13 1.10 1.90 1.24 5 NIM (Domestic) (%) 1.73 2.24 1.12 1.98 1.27 6 Cost to Income Ratio (%) 58.99 52.91 74.78 55.74 62.57 7 GNPA (%) 25.37 25.71 19.74 25.37 19.74 8 NNPA (%) 11.97 12.74 9.98 11.97 9.98 9 PCR (%) 67.61 65.15 63.52 67.61 63.52 10 CRAR (Basel-III) (%) 7.57 9.18 9.32 7.57 9.32

Ratios Parameters Q2 FY19 Q1 FY19 Q2 FY18 HY Sep- 18 HY Sep- 17 1 Return on Assets (%) -1.97-1.10-1.04-1.53-1.07 2 Return on Equity (%) -41.33-21.35-26.45-31.30-27.30 3 Book Value per Share (`) 27.72 30.40 49.30 27.72 49.30 4 Earnings per Share (`) -2.87-2.08-3.58-5.05-7.79 5 Net Worth 10434 11564 8797 10434 8797 6 7 Operating Profit to AWF (%) Non-Interest Income to AWF (%) 0.88 2.05 0.41 1.46 0.71 0.47 1.09 0.52 0.78 0.65

NPA Ratios Parameters Sep-18 Jun-18 Sep-17 Gross Advances 116596 115853 123813 GNPA (Amount) 29581 29786 24435 GNPA (%) 25.37 25.71 19.74 Net Advances 98782 98571 110291 NNPA (Amount) 11820 12558 11008 NNPA (%) 11.97 12.74 9.98 Provision Coverage Ratio (%) 67.61 65.15 63.52

Capital Adequacy Ratio (Basel-III) Parameters Sep-18 Jun-18 Sep-17 1 Common Equity Tier-1 Capital 5677 7129 7333 2 Additional Tier-1 Capital 0 0 750 3 Total Tier-1 Capital (1+2) 5677 7129 8083 4 Tier-2 Capital 2195 2192 2937 5 Total Capital (3+4) 7872 9321 11020 6 Common Equity Tier-1 Capital (%) 5.57 7.02 6.64 7 Additional Tier-1 Capital (%) 0.00 0.00 0.68 8 Tier-1 Capital (%) 5.57 7.02 7.32 9 Tier-2 Capital (%) 2.00 2.16 2.00 10 CRAR (%) 7.57 9.18 9.32 11 Credit Risk 77818 78539 84300 12 Market Risk 13711 12739 13781 13 Operational Risk 10301 10301 12338 14 Total RWA 101830 101580 110419

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 E-mail 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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