UCO Bank · NSE:UCOBANK
UCO Bank — Q2 FY2018 Earnings Presentation
13 slides from UCO Bank's earnings presentation, Sep 30, 2017
Slide 1: Presentation of the Financial Results for the Quarter & Half-Year Ending Sept'2017
Presentation of the Financial Results for the Quarter & Half-Year Ending Sept’2017
Slide 2: Business Parameters
Business Parameters [ Amt. in ` Crore except otherwise mentioned] Quarter Ended (Amount in ` Cr.) PARAMETERS 30 June’2017 30 Sep'2017 Change (%) Sep'17/ June’17 Total Deposit 195382 188362 -3.59 Total Advance 126096 123813 -1.81 Total Income 4237 3758 -11.32 Net Interest Income 841 655 -22.06 Operat
Slide 3: Deposits Components
Deposits Components [ Amt. in ` Crore ] As on As on Parameters 30-June'17 30-Sep'17 A) Deposit (Domestic) (i+ii+iii) 181845 175128 Current 9937 9496 % of Dom. Dep. 5.46% 5.42% Savings 50480 52108 % of Dom. Dep. 27.76% 29.76% i. CASA 60417 61604 Share of CASA (%) 33.22% 35.18% ii. Normal Term Deposit
Slide 4: Retail Business, Gross Advances and Priority Sector Lending Position
Retail Business [ Amt. in ` Crore ] Position as on 30-06-2017 Position as on 30-09-2017 A/c Amount A/c Amount 405914 21585 406801 21497 Gross Advances As on 30.06.2017 As on 30.09.2017 126096.20 123813.06 Bank’s Priority Sector Lending Position As on 30-06-2017 As on 30-09-2017 PRIORITY SECTOR 54984
Slide 5: Domestic Investment Portfolio
Domestic Investment Portfolio as on [ Amts. in ` Crore ] Portfolio 30.06.2017 30.09.2017 Investment in SLR (G Sec) • HFT 0 0 • AFS 24579 23300 • HTM 32905 33733 Sub Total (Investment in SLR) 57484 57033 Investment in Non - SLR • HFT 0 0 • AFS 5731 5913 • HTM 6890 6890 Sub Total (Investment in Non -
Slide 6: Income, Expenditure & Profit (Global)
Income, Expenditure & Profit (Global) [ Amt. in ` Crore] Quarter ended Q1 FY'18 Q2 FY'18 I)Total Income (a+b) : 4237 3758 a)Interest Income 3767 3446 Interest on Advance 2186 1981 Income on Investment 1338 1274 Other Interest Income 243 191 b)Other Income 470 311 II)Total Expenses 3628 3514 Interest
Slide 7: Ratio Analysis
Ratio Analysis Quarter Ended Q1 FY'18 Q2 FY'18 Cost of Deposit (%) 5.50 5.47 Yield on Advance (%) 9.08 8.44 Yield on Investment (%) 7.57 7.41 Net Interest Margin Global (%) 1.38 1.10 Net Interest Margin Domestic (%) 1.41 1.12 Cost to Income Ratio (%) 53.57 74.78 GNPA (%) 19.87 19.74 NNPA (%) 10.63 9
Slide 8: Profitability Indicators
Profitability Indicators Quarter Ended Q1FY'18 Q2 FY'18 Return on Assets (%) -1.09 -1.04 Return on Equity (%) -27.29 -26.45 Book Value per Share (`) 62.74 48.30 Earnings per Share (`) -4.25 -3.58 Net Worth 9396.51 8796.66 Operating Profit to AWF (%) 1.00 0.41 Net-Interest Income to AWF (%) 1.38 1.10
Slide 9: Capital Adequacy (Basel III)
Capital Adequacy (Basel III) [ Amt. in ` Crore] PARAMETERS 30-06-2017 30-09-2017 Credit Risk 91050.12 84300.22 Market Risk 14115.36 13780.50 Operational Risk 12337.93 12337.93 Total Risk Weighted Assets 117503.41 110418.65 Tier I Capital 9038.75 8082.83 Tier II Capital 3183.80 2937.23 Total Capital
Slide 10: Restructured Standard Assets
Restructured Standard Assets Details Amt. in ` crore Q1FY’18 Q2FY’18 Total Restructured Assets at the beginning of the quarter 4564.65 3739.72 Add: Standard Accounts restructured during the quarter 0.00 0.00 Less: Total Standard Restructured accounts closed during the quarter 278.58 22.35 Add/(Less)
Slide 11: Impaired Assets movement Q-to-Q
Impaired Assets movement Q-to-Q [ Amt. in ` Crore ] Jun-17 Sep-17 Parameters Opening Balance @ beginning of Qtr 22540.95 25054.21 Fresh Slippage during the Qtr 3772.97 1432.48 Recovery + Upgradation 1194.05 1130.22 Write off 65.66 921.52 Gross NPA (Amt.) 25054.21 24434.95 Gross NPA (%) 19.87 19.74 N
Slide 12: Sector wise and Industry wise NPAs (Domestic)
[ Amt. in ` Crore ] Sector wise NPAs (Domestic) As on the QE Sector Jun-17 Sep'17 Agriculture & Allied Activities 2532.74 2538.94 Micro & Small Industries 1675.67 1633.58 Medium Industries 1410.24 1354.13 Large Industries 15300.33 14555.25 Services 1232.72 1450.50 Retail 1744.01 1734.92 All Others 9
Slide 13: Thank You
Thmk You