UCO Bank · NSE:UCOBANK
UCO Bank — Q1 FY2021 Earnings Presentation
41 slides from UCO Bank's earnings presentation, June 2020
Slide 1: UCO Bank Quarterly Results June 2020
Honours Your Trust Quarterly Results June 2020 UCO BANK (A Govt. of India Undertaking)
Slide 2: UCO Bank on Growth Path
Slide 3: Domestic Overseas Total Branches
Domestic Overseas Total Branches Ladakh 20 Jammu and Kashmir 3087 2 3089 173 Himachal Pradesh 11 171 Chandigarh Punjab 57 Uttarakhand 98 2 Haryana Arunachal 61 Pradesh Delhi 6 223 Sikkim Rajasthan 284 144 6 Uttar Pradesh 8 Assam Nagaland 229 Meghalaya Bihar 13 Manipur 73 30 3 Jharkhand 385 Tripura M
Slide 4: Contents
Contents Highlights: June 2020 Business Segment Performance Assets Quality Financials Capital & Shareholding Digitalisation www.ucobank.com 1800 274 0123 Follow us on:
Slide 5: Highlights: June 2020
Highlights: June 2020 Honours Your Trust
Slide 6: Highlights June 2020
Highlights June 2020 TOTAL LOANS OPERATING NET BUSINESS PROFIT PROFIT ₹ 310356 Cr. ₹ 115236 Cr. ₹ 1223 Cr. ₹ 21Cr. 0.71 (Q-O-Q %) 0.24 (Q-O-Q %) 1.82 (Y-O-Y %) 27.95 (Q-O-Q %) NII CRAR CASA NET NPA PCR 11.65% 86.50% 4.95% ₹1267 Cr. www.ucobank.com 1800 274 0123 Follow us on:
Slide 7: Performance at a glance-Business
Performance at a glance-Business ₹ in (Cr) Business Mix Jun-19 Mar-20 Jun-20 Y-O-Y (%) Q-Q (%) (Deposits + Advances) Global Business 310811 308165 310356 -0.15 0.71 Domestic 295999 293665 295510 -0.17 0.63 Overseas 14812 14500 14846 0.23 2.39 Global Deposits 192364 193203 195120 1.43 0.99 Domestic 1
Slide 8: Improving Financial Performance
Improving Financial Performance ₹ in (Cr) www.ucobank.com 1800 274 0123 Follow us on:
Slide 9: Improving Asset Quality
Improving Asset Quality ₹ in (Cr) www.ucobank.com 1800 274 0123 Follow us on:
Slide 10: Performance Highlights
Performance Highlights 25% 20% 15% www.ucobank.com 1800 274 0123 Follow us on:
Slide 11: Performance Highlights
Performance Highlights ₹ in (Cr) ₹ in (Cr) 25% ₹ in (Cr) ₹ in (Cr) 20% 15% www.ucobank.com 1800 274 0123 Follow us on:
Slide 12: Performance Highlights
Performance Highlights ₹ in (Cr) ₹ in (Cr) 25% ₹ in (Cr) 20% 15% www.ucobank.com 1800 274 0123 Follow us on:
Slide 13: Business Segment Performance
Business Segment Performance Honours Your Trust
Slide 14: Domestic Industry Wise Exposure
Domestic Industry Wise Exposure ₹ in (Cr) Industry Exposure Particulars Jun-19 Mar-20 Jun-20 (%) Infrastructure 22581 19444 20486 23.04 NBFC 8539 14952 15827 17.80 Basic Metal Products 12557 10296 10287 11.57 Construction 2959 3929 3926 4.42 Food Processing 3995 3916 4345 4.89 Textile 3153 2643 2686
Slide 15: Global Deposits
Global Deposits ₹ in (Cr) Particulars Jun-19 Mar-20 Jun-20 Saving Deposits 59138 63607 66009 Current Deposits 19994 12085 10303 CASA 79132 75691 76312 Term Deposits 107764 112516 113885 Overseas Deposits 5468 4996 4923 Global Deposits 192364 193203 195120 www.ucobank.com 1800 274 0123 Follow us on:
Slide 16: Priority Sector Advance
Priority Sector Advance ₹ in (Cr) % Growth Industry Jun-19 Mar-20 Jun-20 Y-O-Y % to ANBC Agriculture 22917 23651 23320 1.76 17.73 Out of which, S&MF 11173 11179 10954 -1.96 8.33 MSME 22983 22600 24377 6.07 18.53 Out of which, Micro 12389 11745 13770 11.14 10.47 Housing Loan 8908 9674 9840 10.47 7.48
Slide 17: RAM share in Domestic Advances
RAM share in Domestic Advances ₹ in (Cr) Retail Advance Agriculture Advance MSME Advance Jun-19 22838 22917 22983 Mar-20 25223 23651 24486 Jun-20 25471 23320 24377 www.ucobank.com 1800 274 0123 Follow us on:
Slide 18: Assets Quality
Assets Quality Honours Your Trust
Slide 19: Rating Profile
Rating Profile External Rating Distribution of Domestic Advances above 5 Cr. ₹ in (Cr) A& Above BBB BBB Below Unrated Jun-19 11842 4176 5134 4337 Mar-20 18994 4611 4534 3348 Jun-20 20140 3785 4981 3208 www.ucobank.com 1800 274 0123 Follow us on:
Slide 20: Asset Quality-Sequential
Asset Quality-Sequential ₹ in (Cr) Item Jun-19 Mar-20 Jun-20 Gross NPA 29432 19282 16576 Net NPA 8782 5511 5138 Gross NPA (%) 24.85 16.77 14.38 Net NPA (%) 8.98 5.45 4.95 Provision Coverage Ratio (%) 77.12 85.46 86.50 www.ucobank.com 1800 274 0123 Follow us on:
Slide 21: Movement of NPA
Movement of NPA ₹ in (Cr) Quarter Ended Item Jun-19 Mar-20 Jun-20 Opening Balance 29888 22140 19282 Slippages 1233 1493 384 Less Recovery + Write off + Upgradation 1689 4351 3090 Total reduction 1689 4351 3090 Closing Balance 29432 19282 16576 www.ucobank.com 1800 274 0123 Follow us on:
Slide 22: Asset Quality-NCLT
Asset Quality-NCLT ₹ in (Cr) 1st List 2nd List Others Total Exposure to number of accounts 1 2 57 60 referred under IBC (as per RBI List) Loan Outstanding as of 150.97 762.49 3479.54 4393 30th June 2020 ( ₹ Cr.) Total Provisions held upto 150.97 662.97 2821.82 3635.76 30th June 2020 ( ₹ Cr.) www.uco
Slide 23: Financials
Financials Honours Your Trust
Slide 24: Balance Sheet
Balance Sheet ₹ in (Cr) 30.06.2019 31.03.2020 30.06.2020 CAPITAL & LIABILITIES Capital 7362 9918 9918 Reserves & Surplus 9518 9291 9396 Deposits 192364 193204 195120 Borrrowings 8484 15695 12473 Other Liabilities & Provisions 6760 7800 7777 Total 224488 235908 234684 ASSETS Cash and Balances with RB
Slide 25: Operating Revenues
Operating Revenues ₹ in (Cr) Quarter Ended Variation (%) over Sl. Parameters Jun-19 Mar-20 Jun-20 Y-O-Y Q-O-Q 1 Interest Income 3817 3742 3663 -4.03 -2.13 2 Interest Expenses 2482 2488 2396 -3.45 -3.70 3 NII (1-2) 1335 1255 1267 -5.11 0.98 4 Non-Interest Income 630 769 774 22.83 0.67 5 Operating Exp
Slide 26: Net Interest Income
Net Interest Income ₹ in (Cr) Quarter Ended Variation (%) over Particulars Jun-19 Mar-20 Jun-20 Y-O-Y Q-O-Q Interest Income 3816 3742 3663 -4.03 -2.13 a. From Advances 1996 2012 1913 -4.18 -4.91 b. From Investments 1543 1506 1575 2.10 4.58 c. Others 277 224 174 -37.09 -22.33 Interest Expended 2481 2
Slide 27: Non Interest Income
Non Interest Income ₹ in (Cr) Quarter Ended Variation (%) over Particulars Jun-19 Mar-20 Jun-20 Y-O-Y Q-O-Q a) Treasury Income 317 307 651 105.21 112.45 b) Recovery in Written Off 170 237 28 -83.56 -88.21 c) Other Non Interest Income 143 226 95 -33.72 -58.00 Total (a+b+c) 630 769 774 22.83 0.67 www.
Slide 28: Cost & Yield Ratio
Cost & Yield Ratio ₹ in (Cr) Quarter Ended Ratio Analysis Jun-19 Mar-20 Jun-20 Cost of Deposit (%) 4.80 4.87 4.60 Cost of Fund (%) 5.37 5.16 4.74 Yield on Advances (%) 9.38 8.90 7.99 Yield on Investment (%) 7.16 6.91 6.81 Yield on Funds (%) 8.17 7.71 7.31 Cost to Income Ratio (%) 49.04 49.75 56.43 G
Slide 29: Provisions
Provisions ₹ in (Cr) Quarter Ended Variation (%) over Particulars Jun-19 Mar-20 Jun-20 Y-O-Y Q-O-Q Operating Profit 1201 1217 1223 1.82 0.56 Provisions for : NPA 1375 1089 565 -58.92 -48.15 Standard Assets 9 -13 92 936.51 -790.92 Provision For Investment 61 92 -19 -129.88 -119.77 Provision related t
Slide 30: Key Financial Indicators
Key Financial Indicators ₹ in (Cr) Particulars (Qtr.) Jun-19 Mar-20 Jun-20 Return on Assets (%) -0.98 0.03 0.03 Return on Equity (%) -16.81 0.44 0.53 Book Value per Share(₹) 8.75 7.56 7.67 Earning Per Share (₹) -0.87 0.02 0.02 Net Worth ( ₹ in Cr.) 5966 6933 7038 Operating Profit to AWF(%) 1.96 1.88
Slide 31: Investment Portfolio
Investment Portfolio ₹ in (Cr) ₹ in (Cr) Jun-19 Mar-20 Jun-20 Domestic 81094 89532 89071 Investments Overseas 3175 3383 3129 Investments Total Investments 84269 92915 92200 www.ucobank.com 1800 274 0123 Follow us on:
Slide 32: Performance Under Financial Inclusion
Performance Under Financial Inclusion ₹ in (Cr) Jun-19 Mar-20 Jun-20 Particulars No. of Accts Amount No. of Accts Amount No. of Accts Amount PMJDY (Lacs) 78.79 2316.46 85.75 2833.98 88 3289.29 Zero Balance Accts (Lacs) 15.73 - 15.92 8.66 - PMSBY (Lacs) 16.10 1.93 19.57 2.35 19.92 2.39 PMJJBY (Lacs)
Slide 33: Capital & Shareholding
Capital & Shareholding Honours Your Trust
Slide 34: Capital Adequacy-Basel-III
Capital Adequacy-Basel-III ₹ in (Cr) Jun-19 Mar-20 Jun-20 Particulars CET1 Capital 8197 9132 9282 Tier I Capital 8197 9132 9282 Tier II Capital 2525 2769 2859 Total Capital 10722 11901 12141 Risk Weighted Assets 98511 101675 104193 CET1 (%) 8.32 8.98 8.91 Tier I (%) 8.32 8.98 8.91 Tier II (%) 2.56 2
Slide 35: Share Holding Pattern
Share Holding Pattern As on 30.06.2020 Share Capital (₹ in Cr.) 9918.34 Net Worth (₹ in Cr.) 7038.02 Market Cap (₹ in Cr.) 1,47,28.74 No of Equity Shares 991,83,40,622 Details of Shareholding Pattern (%) Jun-20 Govt 94.44 FIIs 0.11 DIIs 2.31 Others 3.14 www.ucobank.com 1800 274 0123 Follow us on:
Slide 36: Digitalization
Digitalization Honours Your Trust
Slide 37: Digital Platforms
Digital Platforms Road ahead for ATMs and Debit Cards which is going to be implement in near future. Procurement of 100 Cash recyclers. Installation of 800 Pass Book Kisok. Acceptance of Bank’s Rupay Card on RMA Bhutan. Introduction of Cash@ POS for Rupay Cards. Image Based ATM card facili
Slide 38: Digital Progress
Digital Progress Growth (%) Digital Channels Jun-19 Mar-20 Jun-20 Y-O-Y Q-O-Q Debit Cards (Lakhs) 7206275 8422524 8740803 21.29 3.78 Internet Banking (Lakhs) 10.39 11.53 11.79 13.47 2.25 Retail 9.18 10.21 10.45 13.83 2.35 Corporate 1.2 1.32 1.34 11.67 1.52 Mobile Banking (Lakhs) 17.04 20.84 23.85 39
Slide 39: Digital Progress
Digital Progress ₹ in (Cr) ₹ in (Cr) Total Transactions Digital Transactions (Financial) Financial Year Digital Transaction (%) (In Crores) (In Crores) 2017-18 51.24 13.67 26.68 2018-19 33.47 12.39 37.02 2019-20 90.84 26.29 28.94 2020-21 (Q1) 26.35 6.97 26.45 www.ucobank.com 1800 274 0123 Follow us
Slide 40: Vision & Mission
Vision & Mission One Team One Dream “To emerge as the most trusted, admired and sought-after world class financial institution and to be the most preferred destination for every customer and investor and a place of pride for its employees.” “To be a Top-class Bank to achieve sustained growth of busi
Slide 41: www.ucobank.com
www.ucobank.com 1800 274 0123 Follow us on: