UCOBANKNSE28 July 2023

UCO Bank has informed the Exchange about Investor Presentation

UCO Bank

यूको बैंक सम्मान आपके विश्वास का

UCO BANK Honours Your Trust

________________________________________________________________________________ HO/Finance/Share/82/2023-24 Date: 28.07.2023

National Stock Exchange of India Ltd. “Exchange Plaza” Plot no. C/1, G Block Bandra-Kurla C omplex, Bandra (E) Mumbai – 400 051 NSE Scrip Symbol: UCOBANK

BSE Limited Phiroze Jeejeebhoy Towers Dalal Street,Fort, Mumbai – 400 001 BSE Scrip Code: 532505

Madam/ Dear Sir,

Sub: Presentation on Reviewed Financial Results 30th June 2023

for the quarter ended

We enclose Presentation on reviewed financial results for the quarter ended 30th June 2023.

Kindly take the same on your records.

Yours faithfully,

(N Purna Chandra Rao) Company Secretary

Encl : as stated

UCO Bank, Finance Department, Head Office, 3rd Floor, 02, India Exchange Place, Kolkata – 700 001 Phone: 033 - 44557227, E-mail: hosgr.calcutta@ucobank.co.in

Follow UCO Bank onTwitter: UCOBankOfficial; Facebook: Official.UCOBank; Instagram: Official.ucobank;

LinkedIn: UCO BANK; You Tube: UCO Bank Official

PURNA CHANDRARAO NIBHANAPUDIDigitally signed by PURNA CHANDRARAO NIBHANAPUDI Date: 2023.07.28 16:23:42 +05'30' UCO BANK

Financial Results: June Q1 (FY 2023-24)

Contents

Highlights: June Q1 (2023-24)

Business Performance

Financials

Asset Quality

Capital & Shareholding

Digital Journey & Business Network

Highlights: June Q1 (FY 2023-24)

Major Highlights

Business

Deposit

₹413972 Cr. 16.06% (Y-Y)

₹249694 Cr. 10.81% (Y-Y)

Advance

₹164278 Cr. 25.07% (Y-Y)

Retail

₹35280 Cr. 24.94 % (Y-Y)

Savings (Domestic) ₹81814 Cr. 5.74% (Y-Y)

Agriculture

₹21690 Cr. 13.80% (Y-Y)

Current (Domestic) ₹9833 Cr. 7.78% (Y-Y)

CASA Share (Domestic) 38.10% 28 bps (Q-Q)

CD Ratio

65.79% 750 bps (Y-Y)

MSME

Home Loan

Vehicle Loan

₹28982 Cr. 14.89 % (Y-Y)

₹20315 Cr. 23.08 % (Y-Y)

₹2373 Cr. 23.79 % (Y-Y)

Gross NPA

Net NPA

PCR

PCR (Excl. TWO)

4.48%

294 bps (Y-Y)

1.18 %

131 bps (Y-Y)

94.88 % 292 bps (Y-Y)

74.48 % 635 bps (Y-Y)

Net Interest Income ₹2009 Cr. 21.78 % (Y-Y)

Operating Profit

₹1202 Cr. 173.30% (Y-Y)

Net Profit

₹223 Cr. 80.80% (Y-Y)

CRAR

NIM Global

Yield on Advances

16.85 % 272 bps (Y-Y)

2.86 % 12 bps (Y-Y)

8.24 % 147 bps (Y-Y)

Business

Asset Quality

Profitability

Business Performance

Business

Jun-22

Mar-23

Jun-23

Q-Q (%)

Y-O-Y (%)

₹ in (Cr)

Business Mix

Global Business

Domestic

Overseas

356677

410967

413972

336231

380173

380371

20477

30794

33601

Global Deposits

225328

249338

249694

Domestic

Overseas

220404

240741

240567

4924

8597

9128

Global Advances

131350

161629

164278

Domestic

Overseas

CD Ratio (%)

115827

139432

139804

15523

58.29

22197

64.82

24474

10.25

65.79%

0.73

0.05

9.11

0.14

-0.07

6.17

1.64

0.27

16.06

13.13

64.34

10.81

9.15

85.39

25.07

20.70

57.66

Global Deposits

Particulars

Jun-22 Mar-23 Jun-23

₹ in (Cr)

Growth (%)

Q-Q

Y-Y

Savings

Current

5.74 %

81017

81814

77375

1. Domestic Deposits

220404 240741 240567

-0.07

9.15

a) Current Deposits

9123

10037

9833

-2.03

7.78

b) Saving Deposits

77375

81017

81814

0.98

5.74

i. CASA Domestic

86498 91054

91648

0.65

5.95

c) Term Deposits

133906 149687 148919

-0.51

11.21

2. Overseas Deposits

4924

8597

9128

6.17

85.39

3. Global Deposits (1+2) 225328 249338 249694

0.14

10.81

CASA Domestic (%)

39.25

37.82

38.10

7.78%

9123

10037

9833

Jun-22

Mar-23

Jun-23

CASA (%)

SB (%)

CA (%)

39.25

35.11

37.82

38.10

33.65

34.01

4.14

4.17

4.09

Jun-22

Mar-23

Jun-23

Domestic Advances

Retail Agri MSME Corporate & Others

₹ in (Cr)

Jun-22 Mar-23

Jun-23

Y-O-Y (%)

1. Domestic Advances 115827

139432 139804

20.70

38%

a) Retail

28238

35039

35280

24.94

b) Agriculture

19060

21775

21690

13.80

c) MSME

25225

28815

28982

14.89

2. Total RAM (a+b+c)

72523

85629

85952

18.52

3. RAM Share (%)

62.61

61.41

61.48

20%

16%

21%

16%

26%

25%

d) Corporate & Others

43304

53803

53852

24.36

Jun-22

Mar-23

Jun-23

Retail Mix

Particulars

Jun-22

Mar-23

Jun-23

Growth (Y-Y) %

Jun-22 Home Loan Vehicle Loan Personal Loan Others

Home Loan

16506

19539

20315

23.08

Vehicle Loan

Personal Loan

1917

1269

2250

1544

2373

23.79

1598

25.93

Others

Total

8546

11706

10994

28.64

28238

35039

35280

24.94

30%

58%

Home Loan Vehicle Loan Personal Loan Others

Jun-23

30%

5% 7%

58%

Agriculture

Jun-22

Mar-23

Jun-23

1. Crop Loans

2. Investment Credit

3. Agri. Allied

4. Infrastructure & Ancillary

9211

3830

3702

2317

10146

4181

4263

3185

9628

4625

4441

2996

Y-O-Y (%)

4.53%

20.76%

19.96%

29.31%

5. Total (1+2+3+4)

19060

21775

21690

13.80%

Self Help Group

June’22

June’23

Growth %

No of Group (Lakhs)

Balance Outstanding (Cr.)

Disbursed during Q1 (Cr.)

Women Beneficiaries

(No in lakhs)

1.30

1688

258

1.50

2266

336

10.71

13.31

15.38

34.24

30.23

24.27

MSME Portfolio Mix

Segment Mix

Micro

Small Medium

25225

28815

28982

2.26%

2.36%

34.39%

34.08%

2.65%

34.45%

54.75%

62.98%

63.56%

Jun-22

Mar-23

Jun-23

Performance under PMMY

₹ in Cr.

Q1 23

Q1 24

Amount Sanctioned

Amount Disbursed

995

521

780

762

PM SVANidhi

Application Sanctioned

Disbursed out of Sanctioned

As on 30.06.2023

79684

78830

Performance under GECL Facility

GECL (₹ in Cr.)

Amount Sanctioned

Amount Disbursed

Upto Jun 22 3095

3070

Upto Jun 23 3153

3128

Outstanding As on 30.06.2023 – 1399 Cr.

Standup India (No.)

Target Achievement Achievement (%)

As on 30.06.2023 4951 5153 104 %

Priority Sector Advances

Segment

RBI Benchmark (%)

Mandatory Target

Achievement

Achievement (%)

₹ in (Cr)

Priority Sector

40.00

51135

69943

54.71%

Agriculture

Small/Marginal Farmer

Weaker Section

Micro Under MSME

18.00

10.00

12.00

7.50

23011

24548

19.20%

12784

14166

11.08%

15340

17818

13.94%

9588

18422

14.41%

Non Corporate Farmers

13.78

17616

19566

15.31%

Financial Inclusion Growth

PMSBY (In Lakhs)

PMJJBY (In Lakhs)

APY Accounts ( In Lakhs)

38.26 %

39.51

43.00

37.21 %

18.58

20.87

47.51 %

 State Level Bankers Committee

8.28

8.88

(SLBC) – 2 (Odisha & Himachal

31.10

15.21

6.02

Pradesh)

 Lead District Manager (LDM) – 35

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

PMJDY Accounts (In Lakhs)

128

Bala. in PMJDY Accounts (In Lakhs)

5685

5691

124

4622

116

 Rural Self Employment Training

8107

Center (RSETI) – 27 (7 States)

No of BC

6916

4834

 Financial Literacy Center - 22

 RRB -1 (Paschim Banga Gramin Bank)

Jun-22

Mar-23

Jun-23

Jun-22 Mar-23

Jun-23

Jun-22 Mar-23

Jun-23

Sectoral Credit–Domestic Advances

Sector (₹ in Cr.)

30.06.2022

% share to Advances

31.03.2023

% share to Advances

30.06.2023

% share to Advances

Infrastructure

Of which

Power

Port and Road Project

Other infrastructure

Basic Metal

Textiles

Petroleum and Coal Products

All Engineering

Food Processing

Commercial Real Estate

NBFC

11715

10.11%

13576

9.74%

14498

10.37%

6706

2292

2717

1766

696

316

861

1221

716

5.79%

1.98%

2.35%

1.52%

0.60%

0.27%

0.74%

1.05%

0.62%

8416

3289

1870

2839

732

348

995

1420

815

6.04%

2.36%

1.34%

2.04%

0.52%

0.25%

0.71%

1.02%

0.58%

9143

3502

1854

2989

820

362

851

1175

823

6.54%

2.50%

1.33%

2.14%

0.59%

0.26%

0.61%

0.84%

0.59%

15589

13.46%

21433

15.37%

20917

14.96%

Standard NBFC Advances

Standard NBFC

30.06.2022

31.03.2023

30.06.2023

₹ in (Cr)

NBFC - PSUs

NBFC - HFCs NBFC - MFIs NBFC - Others

Total

3700

5652

698

5520

15570

23.76

36.30

4.48

35.45

100

4200

8509

991

7714

21413

19.61

39.74

4.63

36.02

100

4000

8036

869

7992

20898

19.14

38.45

4.16

38.24

100

Rating of Standard NBFCs

AAA

BBB& Below

4% 36%

58%

38%

55%

1% 5%

37%

57%

Rating of Standard HFCs

AAA

BBB& Below

3% 37%

60%

0% 3% 36%

61%

1% 3% 36%

61%

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

Standard NBFCs

30.06.2023 31.03.2023 30.06.2023

Out of Std. NBFCs

30.06.2023 31.03.2023 30.06.2023

NBFCs

Bank sponsored

2441

3278

3734

Private Inst & others

16043

18258

19018

Total

18484

21536

22752

HFCs Bank sponsored

Private Institutions

Total

6402 2243 4158 6402

8509 3278 5231 8509

8588 3734 4854 8588

AAA

BBB

BBB & above

Below BBB

Total Rated

Of Which

a) PSU

b) Others

Rating Mix

Rating Grade (₹ in (Cr)

Jun-22 % Share Mar-23 % Share Jun-23 % Share

15290

29.89

22964

35.62

23150

36.44

7126

13.93

10675

16.56

10058

15.83

9480

18.53

10280

15.94

10677

16.81

3895

7.63

3949

6.13

2833

4.46

35791

69.98

47868

74.25

46718

73.54

Advance Mix of Benchmark Rate

0.13%

2.01%

18.23%

0.07%

0.06%

1.19%

1.06%

13.34%

13.61%

2526

4.94

3358

5.21

2816

4.43

41.44%

38317

74.92

51226

79.46

49533

77.97

11323

22.14

18515

28.72

16797

26.44

26,994

52.78

32711

50.74

32737

51.53

42.43%

42.55%

Total Unrated

12830

25.08

13245

20.54

13998

22.03

Of Which a) PSU with Govt. Guarantee b) PSU without Govt. Guarantee c) Others

10618

20.76

10534

16.34

10595

16.68

158

0.31

294

0.46

2723

4.29

2054

4.02

2417

3.75

679

1.07

Total (Rated + Unrated)

51146

100

64470

100

63531

100

38.20%

42.97%

42.73%

Jun-22

Mar-23

Jun-23

MCLR

Repo

Fixed

Base Rate

BPLR

Investment Portfolio

Sl.

Parameters

Jun-22

Mar-23

Jun-23

₹ in (Cr)

Domestic Investment

SLR

SLR as % to Dom. Investment

Non SLR

Held To Maturity (HTM)

Available For Sale (AFS)

III

Held For trading (HFT)

Modified Duration (AFS+HFT)

Overseas Investment

Total Gross Investment (1+3)

97815

69918

71.48

27897

71854

26162

-201

3.40

1980

99795

94693

67572

71.36

27120

73535

21157

3.36

2976

97668

93213

65838

70.63

27375

76082

16954

177

2.72

3116

96329

HTM To Gross Domestic Investment (%)

73.46%

77.66%

81.62%

Non SLR Investment

Parameters

Jun-22

Mar-23

Jun-23

O/S

% Share

O/S

% Share

O/S

% Share

PSU Bonds

670

2.40%

616

2.27%

616

2.25%

Corporate and Other Bonds & Debentures

1084

3.89%

1614

5.95%

2061

7.53%

Special Govt. Sec excl. Recap Bonds

4656

16.69%

3706

13.67%

3706

13.54%

Sl.

4 CG Recap. Bond

18410

65.99%

18410

67.88%

18410

67.25%

Share of PSU/Corporate/Others

1089

3.90%

6 Venture Capital Fund

7 Regional Rural Bank

Security Receipts

Subsidiaries JV

10 Other

199

0.13%

0.71%

904

199

3.33%

0.13%

0.73%

828

239

3.02%

0.13%

0.87%

1273

4.56%

1097

4.05%

1083

3.95%

0.00%

479

1.72%

537

1.98%

395

1.44%

Total Non SLR Investment

27897

100

27120

100

27375

100

Financials

Profitability

Parameters ( ₹ in Cr.)

Sl.

Year Ended

Quarter Ended

Growth

FY 22-23

Jun-22

Mar-23

Jun-23

Y-O-Y (%)

Q-O-Q (%)

1 Interest Income

2 Interest Expenses

17651

10307

3 Net Interest Income (1-2)

7343

4 Non-Interest Income

5 Operating income(3+4)

6 Operating Expenses

i. Staff Expenses

ii. Other Operating Expenses

7 Operating Profit (5-6)

8 Provisions

9 Net Profit (7-8)

2508

9851

5511

3873

1638

4341

2478

1862

3851

2202

1650

-54

1596

1155

822

333

440

316

124

4987

3015

1972

960

2932

1575

1058

517

1357

776

581

5224

3215

2009

633

2642

1439

1028

411

1202

979

223

35.65

46.00

21.78

4.75

6.63

1.88

-34.06

65.54

24.59

25.06

23.42

-9.89

-8.63

-2.84

-20.50

173.30

-11.42

209.81

80.80

26.16

-61.62

Net Interest Income

Year Ended

Quarter Ended

Growth

FY 22-23

Jun-22

Mar-23

Jun-23

Y-O-Y (%) Q-O-Q (%)

17651

10343

6223

1084

10307

9417

544

347

3851

2141

1535

175

2202

2096

4987

3039

1563

385

3015

2658

266

5224

35.65

3314

1510

400

3215

2839

283

54.76

-1.62

128.71

46.00

35.49

18.54

21.78

4.75

9.04

-3.42

3.99

6.63

6.84

6.33

1.25

1.88

Particulars ( ₹ in Cr.)

1. Interest Income

a. From Advances

b. From Investments

c. Others

2. Interest Expended

a. On Deposits

b. On Borrowings

c. Bonds & Others

3. Net Interest Income (1+2)

7343

1650

1972

2009

Non Interest Income

Particulars ( ₹ in Cr.)

Year Ended

Quarter Ended

Growth

FY 22-23

Jun-22

Mar-23

Jun-23

Y-O-Y (%)

Q-O-Q (%)

a) Fee Based Income

1000

261

i. Charges & Commission from Advance

ii. Commission from Third Party Product

iii. Charges & Commission from Others

401

487

b) Recovery in Written Off

1624

134

117

232

c) Treasury Income

-116

-548

Total (a+b+c)

2508

-54

301

126

158

526

133

960

234

-10.34

-22.26

-31.34

-26.98

10.00

-35.29

131

11.97

-17.09

261

12.33

-50.31

138

633

3.54

-34.06

Operating Expenses

Particulars ( ₹ in Cr.)

1. Salary

2. Employee Benefits

3. Total Staff Expenses (1+2)

4. Rent, Taxes & Lighting

5. Depreciation

6. Insurance

7. Others

8. Total Other Operating Expenses (4+5+6+7)

Year Ended

Quarter Ended

Variation

FY 22-23

Jun-22

Mar-23

Jun-23

Y-O-Y (%) Q-O-Q (%)

2717

1156

3873

294

218

266

860

1638

643

179

822

164

333

705

353

773

255

20.22

9.65

42.46

-27.76

1058

1028

25.06

-2.84

302

517

212

411

20.69

-17.65

33.33

-7.69

4.55

6.15

29.27%

-29.80%

23.42%

-20.50%

9. Total Operating Expenses (3+8)

5511

1155

1575

1439

24.59

-8.63

Provisions

Particulars ( ₹ in Cr.)

FY 22-23

Jun-22

Mar-23

Jun-23

Y-O-Y (%)

Q-O-Q (%)

Year Ended

Quarter Ended

Variation

Operating Profit

4341

440

1357

1202

173.30

-11.42

Provisions for :

NPA

NPI

Standard Assets

Others

Income Tax (Including DTA)

Total Provision

Net Profit

1296

324

-244

1043

2478

1862

268

279

-305

316

124

408

325

776

581

389

163

285

123

979

223

45.15

-4.66

-93.19

-45.71

78.26

-62.15

209.45

26.17

80.80

-61.55

Key Financial Indicators

Particulars

Cost of Deposits (%)

Cost of Funds (%)

Cost to Income Ratio (%)

Yield on Advances (%)

Yield on Investments (%)

Return on Assets (RoA) Annualised(%)

Net Interest Margin (NIM) Domestic (%)

Return on Investments (Domestic) (%)

Return on Equity Annualised (RoE) (%)

Earnings per Share ( Not Annualised) (₹)

Book Value per Share (₹)

Business per Employee (₹ in Cr)

Business per Branch (₹ in Cr)

Net Profit per Employee (₹ in lakhs)

Jun-22

3.78

3.11

72.42

6.77

6.22

0.17

2.85

6.55

4.44

0.10

9.96

16.02

116.03

0.56

Quarter Ended

Mar-23

4.36

3.79

53.71

7.99

6.47

0.73

3.08

6.67

17.14

0.49

12.34

18.90

128.31

2.67

Jun-23

4.61

3.97

54.49

8.24

6.33

0.28

3.03

6.62

7.04

0.19

12.59

18.89

128.92

1.02

Key Financial Indicators( Qtr.)

Yield on Advance (%)

Yield on Investment (%)

7.99

8.24

6.47

Yield on Funds (%) 7.32

7.23

6.77

6.22

6.40

6.33

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

Cost of Deposit ( %)

4.36

4.61

3.78

Cost of Fund ( %)

Cost to Income ( % )

3.79

3.97

72.42

3.11

53.71

54.49

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

Efficiency Ratio (Qtr.)

NIM Domestic ( %)

NIM Global ( %)

Return on Assets (%)

3.03

0.28

2.86

0.17

2.85

2.74

Jun-22

Jun-23

Jun-22

Jun-23

Jun-22

Jun-23

Return on Equity (%)

Book Value Per Share (₹)

Earning Per Share (₹)

7.04

12.59

0.19

4.44

9.96

0.10

Jun-22

Jun-23

Jun-22

Jun-23

Jun-22

Jun-23

Productivity Ratio

Business Per Branch ( ₹ in Cr.)

129

Business Per Employee ( ₹ in Cr.)

116

Jun-22

Jun-23

Jun-22

Jun-23

Operating Profit per employee ( ₹ in Lakhs)

5.49

Net Profit Per Employee ( ₹ in Lakhs)

1.02

1.98

0.56

Jun-22

Jun-23

Jun-22

Jun-23

Balance Sheet

CAPITAL & LIABILITIES

30.06.2022

31.03.2023

30.06.2023

₹ in (Cr)

Capital

Reserves & Surplus

Deposits

Borrrowings

Other Liabilities & Provisions

Total

ASSETS

Cash and Balances with RBI

Balances with Banks and Money at Call and Short Notice

Investments

Advances

Fixed Assets

Other Assets

Total

11956

11843

225328

12682

5640

267449

10894

12680

96986

124643

3346

18900

267449

11956

13808

249338

20501

5260

300863

10300

18428

95169

155870

3510

17586

300863

11956

13968

249694

22305

6551

304474

11133

17972

94085

158750

3524

19010

304474

Asset quality

Asset Quality

Gross NPA

Net NPA

₹ in (Cr)

9740

3104

7726

7355

2018

1877

7.42

2.49

Net NPA (%)

Gross NPA %

4.78

1.29

4.48

1.18

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

PCR (Incl. TWO)

PCR (Excl. TWO)

Slippage Ratio (%)

Credit Cost (%)

91.96

68.13

94.50

94.88

73.88

74.48

1.86

0.82

1.32

1.07

1.39

0.97

Jun-22

Mar-23

Jun-23

Jun-22

Mar-23

Jun-23

Asset Quality

₹ in (Cr)

Asset Classification (₹ in Cr)

161629

164278

131350

Item

Jun-22 Mar-23 Jun-23

Gross NPA (₹ in Cr.)

9740

7726

7355

Net NPA ₹ in (₹ in Cr.)

3104

2018

1877

Gross NPA (%)

Net NPA (%)

7.42

4.78

4.48

2.49

1.29

1.18

PCR % (Including Technical Write off)

91.96

94.50

94.88

PCR % (Excluding Technical Write off) 68.13

73.88

74.48

Slippage Ratio Annualised (%)

1.86

1.32

1.39

Credit Cost Annualised (%)

0.82

1.07

0.97

Standard Sub-Standard Doubtful Loss Total Advance

Jun-22 121610 1786 7301 653 131350

Mar-23 153902 1000 6229 498 161629

Jun-23 156923 1184 5687 484 164278

Movement of NPA

Item (₹ in Cr)

Year Ended Mar-23 Jun-22 Mar-23 Jun-23

Quarter Ended

1. Opening Balance

10237

8506

7726

Less

2. Cash Recovery

3. Upgradation

4. Write off

5. Total Reduction (2+3+4)

6. Fresh Addition (7+8)

7. Fresh Slippage

8. Addition to Existing NPA

9. Closing Balance (1-5+6)

10. Recovery in Written off + RI 11. Total Recovery + Upgradation

(2+3+10)

1354

678

2575

4607

2096

1487

609

7726

1624

3656

275

184

594

334

135

782

1053

1252

556

397

159

472

366

106

169

104

635

908

536

512

9740

7726

7355

232

691

526

995

316

589

Fresh Addition (₹ in Cr)

Quarter Ended

Jun-22 Mar-23

Jun-23

Retail

Agriculture

MSME

RAM

Corporate& Others

Total

239

187

260

382

343

440

174

556

129

472

536

Segment NPA

Sl.

Sector

30.06.2022

31.03.2023

30.06.2023

Gross Advances

Gross NPA

% to respective portfolio

Gross Advances

Gross NPA

% to respective portfolio

Gross Advances

Gross NPA

% to respective portfolio

1 Retail Credit

28238

726

2.57%

35039

605

1.73%

35280

550

1.56%

₹ in (Cr)

Of which

Home Loan

Education Loan

Vehicle Loan

2 Agriculture

3 MSME

4 Corporate & Others

16506

873

1917

19060

25225

43304

319

108

1.93%

12.33%

2.27%

19539

939

2250

240

1.23%

10.22%

1.72%

20315

874

2373

262

1.29%

2.64%

1.82%

3674

19.27%

21775

3323

15.26%

21690

3317

15.29%

2487

9.86%

2128

4.91%

28815

53803

2209

7.67%

1028

1.91%

28982

53852

2326

8.03%

726

1.35%

5 Total ( 1 to 4)

115827

9015

7.78%

139432

7165

5.14%

139804

6920

4.95%

6 Overseas

15523

724

4.67%

22197

561

2.53%

24474

435

1.78%

7 Total

131350

9740

7.42%

161629

7726

4.78%

164278

7355

4.48%

SMA & Restructured Advances

SMA Position of the Bank (1 cr and above)

₹ in (Cr)

Parameters

SMA 0

SMA 1

SMA 2

Total

June'22

Mar'23

June'23

B/o (in Crs)

% to Gross Advances

B/o (in Crs)

% to Gross Advances

B/o (in Crs)

% to Gross Advances

2697.13

439.62

820.92

2.05%

0.33%

0.62%

1866.52

650.35

21.81

1.15%

0.40%

0.01%

589.07

1761.37

281.39

0.36%

1.07%

0.17%

3957.67

3.01%

2538.68

1.57%

2631.83

1.60%

Particulars

MSME

Personal

Corporate

Others

Total

COVID Restructuring (RF1 & RF 2)

Standard 30.06.2022 AMT

Standard 31.03.2023 AMT

Standard 30.06.2023 AMT

1459

1223

486

215

3383

1201

1061

497

177

2935

1084

1008

485

165

2742

NCLT & NARCL

June-2023 (₹ Cr.)

1st List

2nd List Others

Total

NCLT

Exposure to number of accounts referred under IBC

Loan Outstanding

Total Provisions Held

Provision Percentage (%)

1207

100

3110

100

143

168

16075

16059

99.90

20391

20375

99.92

Recovery From NCLT

Through Resolution

Under Liquidation

Total

Jun-22

Mar-23

Jun-23

No of Accounts

Amount

No of Accounts

Amount

No of Accounts

Amount

107

NARCL

Our Bank exposure as on 30.06.2023

No of Accounts

Amount

Position of Accounts

A/cs where bid submitted and under process

List of under progress A/cs

A/cs kept on hold temporarily

4135

Newly Identified Cases

Total A/c identified by NARCL

No. of

Book

A/cs

Balance (₹ in Cr)

1283

976

779

1097

4135

Capital & Shareholding

Capital Adequacy

CET-I

Tier- I

Tier- II

14.13

16.51

16.85

2.84

11.29

2.55

2.70

13.96

14.16

11.29

13.51

13.70

Jun-22

Mar-23

Jun-23

Particulars (₹ in Cr)

CET1 Capital

Tier I Capital

Tier II Capital

Jun-22

Mar-23

Jun-23

11533

2903

14934

15434

2818

15128

15628

2981

Total Capital

14435

18252

18609

Particulars

Credit RWA

Market RWA Operational RWA

Total RWA

Advances

Jun-22 Mar-23 Jun-23

75042

85883

85889

10650

8214

6995

16460

17523

102152 110558 110406

131350 161629 164278

Credit RWA to Advance (%) 57.13

53.14

52.28

Credit RWA to Advances (%)

57.13

53.14

52.28

Jun-22

Mar-23

Jun-23

Share Holding & Ratings

Share Holding Pattern

Others, 3.22

DIIs, 1.34

FIIs, 0.05

S.N

Rating Agency

Basel III

AT-I Bonds Rating

Tier-II Bonds Rating

India Ratings

CARE Ratings

AA - /Stable

Acuite Ratings

AA - /Stable

AA/Stable

Infomerics Ratings AA - /Stable

Govt., 95.39

Capital Raising Plan FY 2023-24

AT I Bond -

Rs 500 Cr

Equity Capital Upto- Rs 2000 Cr.

Our Presence

Domestic Branches

Overseas Branches

ATM

BCs

3209

2+1 Rep. off.

2411

8107

South, 334

Central, 534

North, 848

North East, 215

West, 303

East, 975

18.89%

Urban, 625

Metro, 600

Semi urban, 865

29.16%

(33.82%)

Rural, 1119

HR Initiative

Business target linked to the reality of local market through scientific tool

Clarity of roles & expectations from each employees with well- defined, measurable KRAs

Clear tracking, measurement, & visibility of performance metrics to identify improvement areas

Performance-linked rewards to acknowledge & motivate contributors

Employees to be reoriented in terms of knowledge, skills and attitudes

Associate

Paschim Banga Gramin Bank

As on 30.06.2023 (Audited) Amount (₹ in Cr)

Particulars

Business

Deposit

Advances

Operating Profit

Net Profit

Gross NPA (%)

Net NPA (%)

CRAR (%)

No of Branches Employee Strength

FY 22-23

10318

6570

3748

-25.36

-55.01

9.37

3.94

5.1

Mar-23 Qtr.

10318

6570

3748

-8.59

-19.95

9.37

3.94

5.10

Jun-22

9759

6307

3452

-13.97

-17.48

10.73

5.16

3.58

- -

Jun-23 Qtr.

10306

6556

3750

Q-o-Q (%)

-0.12

-0.21

0.05

Y-o-Y (%)

5.61

3.95

8.63

44.59

619.09

419.18

4.16

9.71

3.45

6.53

230 887

120.85

123.80

- -

Digital Journey

Digital Offerings

UCO Mbanking Plus App

UPI Global Payments

Bulk Payment

Digital Banking Unit

Account Aggregator

Digital Customer Empowerment

Video Life Certificate

PMJBY/PMS BY/APY registration through WhatsApp/M B/IB/Kiosk

UPI Autopay Mandate/SI E-Mandate

Aadhaar based UPI PIN set

App/Web based Fee Collection Module

One of the best play store ratings of 4.65

150+ Features Available

Industry Specific User Interface

Available for both Retail & Corporate Customers

Digital Offerings

Digital Account Opening

Instant Savings Account opening

Instant FD/RD digitally

Instant Current Account opening through Kiosk

ICCW (UPI based Cash withdrawal)

Corporate Mobile Banking

SNA/CNA Application

UCO Merchant Solution (QR Code /Sound box)

Digital Payment System

Wealth Management

UPI 123 Pay through IVR

Insta Demat/

Trading Account

Instant Mutual Funds/

NPS

IPO/ASB A/Tax Filing

UPI Lite & UPI Global

Shopping/Rewards Program

FD/RD/Loan Against FDR

Support Multi-user facility

Bulk Transaction Facility

UCash (Cardless cash withdrawal from ATMs)

Mobile Banking for NRE/NRO customers.

E-Market place

Travel Market place

Customer Loyalty Rewards Program (UCOINS)

Digital Performance

Debit Cards (In Lakhs)

8.17 %

125

Internet Banking (In Lakhs)

5.98 %

15.25

115

14.39

Jun-22

Jun-23

Jun-22

Jun-23

Retail Mobile Banking ( In Lakhs)

41.35 %

Corporate Mobile Banking ( In Lakhs)

233.33 %

0.50

0.15

Jun-22

Jun-23

Jun-22

Jun-23

Digital Transactions

Mobile Banking No of Transactions (In Lakhs)

Corporate Mobile Banking Transactions (In Lakhs)

15.23 %

297.37 %

3.02

0.76

Jun-22

Jun-23

Jun-22

Jun-23

UPI No of Transactions (In Lakhs)

62.07 %

4700

2900

Digital Merchant QR (Sound Box) No of Transactions

161.68 %

31.14

11.90

Jun-22

Jun-23

Mar-23

Jun-23

Social Media Presence

@UCOBankOfficial

49,900

@official.ucobank

18,200

@official.ucobank

43,900

WhatsApp Banking Say Hi to 8334001234

@uco-bank 20,800

@ucobank 35,600

@uco-bank 18,887

ESG Initiative

Environmental

Social

Governance

 To move towards paperless banking and end to end solution, Bank has launched multiple digital Lending products like Pre Approved Personal Loan, Shishu Mudra, KCC Renewal, Loan against FDR etc. which can be applied and processed digitally.

 As a part of Green initiative, nearly all domestic branches of the Bank have LED lights energy installed conservation.

for

 Bank has been extending finance to renewable energy projects whose total exposure stands at Rs.1688 crore as on 30.06.2023.

 Bank has taken initiative to minimize the use of one time plastic usage at its Administrative Offices.

 Bank has contributed to food distribution initiative by Anna Sri program of ISKCON, Bangalore and Educational Institutions under the temple management of Arulmigu Dhandayuthapani Swamy Temple, Palani, Tamil Nadu.

 More than 79500 street vendors were benefitted through financing under PM Street Vendor AtmaNirbhar Nidhi Scheme.

 More than 444227 persons were educated literacy camps

through 13508 financial held by the Bank till June 2023.

 1557311 persons were educated through conducted by 106 (CFL)

58855 Programmes Center Financial for sponsored by the Bank till June 2023.

Literacy

 More than 67381 candidates were trained programmes through conducted Self Rural Employment Training Institutes (RSETIs) of the Bank in 7 states.

training 27 the

2317 by

Citizen

Charter,

 Bank has in place Grievance Redressal Internal Policy, Ombudsman Scheme etc. and the same has been made available on its website to uphold fair banking practices and its ensure customers.

transparency

with

 As a part of prudent corporate practice, Bank has published its first Business Responsibility Sustainability and Report forming part of Annual Report 2022-23.

Diwas”

been observing

 Bank has “Cyber Jagrookta their first Offices/Branches Wednesday of every month with an intention of spreading cyber awareness among staffs and customers.

in the

 Bank has in place Enterprises Fraud Risk for prevention of unauthorized electronic banking transactions

Management

solution

Awards & Accolades

Digital Transaction UCO Bank has secured 2nd Rank in the Ministry of Electronics and Information Technology scorecard for FY 2022-23

Financial Inclusion Award from PFRDA for Achieving excellence in APY Leadership Pinnacle Campaign

UCO Bank bagged prestigious 2nd Rank in the MeitY (Ministry of Electronics & Information Technology) Scorecard 2022-23

Disclaimer

This presentation has been prepared solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person.

Certain forward-looking statements in these slides involve a number of risks, uncertainties and other factors that could cause actual results to differ materially from those suggested by the forward-looking

statements. These risks and uncertainties include, but are not limited to our ability to successfully implement our strategy, future levels of non-performing loans, our growth and expansion, the adequacy

of our allowance for credit losses, our provisioning policies, technological changes,

investment income,

cash flow projections, our exposure to market risks as well as other risks. UCO Bank undertakes no obligation to update the forward-looking statements to reflect events or circumstances after the date

thereof.

Thank you

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