UCO Bank · NSE:UCOBANK
UCO Bank — Q2 FY2019 Earnings Presentation
16 slides from UCO Bank's earnings presentation, Nov 12, 2018
Slide 1: Financial Results for the Quarter & Half-Year Ending Sept'2018
Financial Results for the Quarter & Half-Year Ending Sept’2018 12th November 2018
Slide 2: Terminal Business Mix
Terminal Business Mix [ Amt. in ` Crore] Sl. Y-o-Y Variation Parameters Sep-18 Jun-18 Sep-17 No. 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 1
Slide 3: Deposits Mix
Deposits Mix [ Amt. in ` Crore] Sl. Y-o-Y Variation Parameters Sep-18 Jun-18 Sep-17 No. 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.
Slide 4: Bank's Priority Sector Lending Position
Bank’s Priority Sector Lending Position [ Amt. in ` Crore] As on 30-09-2018 As on As on 30-06-2018 30-09-2017 Outstanding % of ANBC 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 MS
Slide 5: RAM Advances
RAM Advances [ Amt. in ` Crore] Sl. Y-o-Y Variation Parameters Sep-18 Jun-18 Sep-17 No. 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
Slide 6: Domestic Investment
Domestic Investment [ Amt. in ` Crore] Sl. Y-o-Y Variation Parameters Sep-18 Jun-18 Sep-17 No. 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 Modif
Slide 7: Profit & Loss
Profit & Loss [ Amt. in ` Crore] Y-o-Y Sl. Q2 Q1 Q2 Y-o-Y Variation HY HY Variation Parameters No. FY19 FY19 FY18 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.
Slide 8: Income: Break up
Income : Break up [ Amt. in ` Crore] Y-o-Y Sl. Q2 Q1 Y-o-Y Variation HY HY Parameters Q2 FY18 Variation No. FY19 FY19 Sep-18 Sep-17 Amt % Amt % Interest on 1 1935 2076 1981 -46 -2.31 4011 4167 -155 -3.73 Advances Interest on 2 1310 1285 1274 36 2.82 2595 2612 -17 -0.65 Investments Other Interest 3 2
Slide 9: Expenditure: Break up
Expenditure : Break up [ Amt. in ` Crore] Y-o-Y Sl. Q2 Q1 Q2 Y-o-Y Variation HY HY Variation Parameters No. FY19 FY19 FY18 Sep-18 Sep-17 Amt % Amt % Interest on 1 2332 2310 2591 -259 -9.98 4642 5299 -657 -12.40 Deposits Interest on 2 60 80 46 15 32.69 140 111 29 25.78 Borrowings 3 Other Interest Pai
Slide 10: Provisions
Provisions [ Amt. in ` Crore] Y-o-Y Sl. Q2 Q1 Q2 Y-o-Y Variation HY HY Variation Parameters No. FY19 FY19 FY18 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 Provision for 3 518 499 117 401 324.41 1017 377 64
Slide 11: Ratios
Ratios [ Amt. in ` Crore] Sl. HY Sep- HY Sep- No. Parameters Q2 FY19 Q1 FY19 Q2 FY18 18 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) (%
Slide 12: Ratios
Ratios [ Amt. in ` Crore] Sl. HY Sep- HY Sep- No. Parameters Q2 FY19 Q1 FY19 Q2 FY18 18 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 -3.5
Slide 13: NPA Ratios
NPA Ratios [ Amt. in ` Crore] Sl. Parameters Sep-18 Jun-18 Sep-17 No. 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 (%
Slide 14: Capital Adequacy Ratio (Basel-III)
Capital Adequacy Ratio (Basel-III) [ Amt. in ` Crore] Sl. No. 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 E
Slide 15: Information Technology Initiatives Highlights
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 car
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