UCOBANKNSE3 November 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/140/2023-24 Date: 03.11.2023

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 for the quarter and half year ended 30th September, 2023

We enclose Presentation on Reviewed Financial Results for the quarter and half year ended 30th September, 2023

Kindly take the same on your records and disseminate.

Yours faithfully,

(Vikash Gupta) 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

UCO BANK

Financial Results: September 2023 (Q2 / HY 2023-24)

Connect with us @ official.ucobank:

Contents

Highlights: Sep Q2 / HY 2023-24

Business Performance

Financials

Asset Quality

Capital & Shareholding

Business Network

Digital Journey

ESG Initiative

Awards & Achievements

Page 2

Highlights: Sep Q2 / HY 2023-24

Page 3

Major Highlights

Business

Deposit

₹417145 Cr. 10.56% (Y-Y)

₹249411 Cr. 6.07% (Y-Y)

Advance

₹167734 Cr. 17.99% (Y-Y)

Retail

₹36362 Cr. 17.09 % (Y-Y)

Savings (Domestic) ₹83254 Cr. 5.47% (Y-Y)

Agriculture

₹22985 Cr. 14.32% (Y-Y)

Current (Domestic) ₹10121 Cr. 12.64% (Y-Y)

CASA Share (Domestic) 38.28%

129 bps (Y-Y)

CD Ratio

67.25% 680 bps (Y-Y)

MSME

Home Loan

Vehicle Loan

₹30699 Cr. 20.83 % (Y-Y)

₹21366 Cr. 21.24 % (Y-Y)

₹2509 Cr. 27.49 % (Y-Y)

Gross NPA

4.14%

244 bps (Y-Y)

Net NPA

1.11 % 88 bps (Y-Y)

PCR

PCR (Excl. TWO)

95.07 % 217 bps (Y-Y)

74.04 % 289 bps (Y-Y)

Net Interest Income ₹1917 Cr. 8.30 % (Y-Y)

NIM (Dom)

3.05% 8 bps (Y-Y)

CRAR

16.83 % 281 bps (Y-Y)

NIM (Glo)

2.84% 0 bps (Y-Y)

Operating Profit

Net Profit

₹982 Cr. 17.47% (Y-Y)

₹402 Cr. 20.39% (Y-Y)

Yield on Advances (Dom)

8.80% 102 bps (Y-Y)

Yield on Advances (Glo)

8.38 % 121 bps (Y-Y)

Page 4

Business

Asset Quality

Profitability

Business Performance

Page 5

Business

Sep-22

Jun-23

Sep-23

Q-Q (%)

Y-O-Y (%)

₹ in (Cr)

Business Mix

Global Business

Domestic

Overseas

Domestic

Overseas

377305

413972

417145

351411

380371

386910

25894

33601

30235

0.77

1.72

(10.02)

(0.11)

1.41

10.56

10.10

16.76

6.07

6.66

Global Deposits

235149

249694

249411

228730

240567

243957

6418

9128

5454

(40.25)

(15.02)

Global Advances

142156

164278

167734

Domestic

Overseas

CD Ratio (%)

122680

139804

142953

19476

60.45

24474

65.79

24781

67.25

2.10

2.25

1.25

17.99

16.53

27.24

Page 6

Global Deposits

Particulars

Sep-22

Jun-23

Sep-23

₹ in (Cr)

Growth (%)

Q-Q

Y-Y

Savings

Current

78933

81814

83254

1. Domestic Deposits

228730 240567 243957

1.41

6.66

a) Current Deposits

11586

9833

10121

2.93

(12.64)

11586

9833

10121

b) Saving Deposits

78933

81814

83254

1.76

5.47

i. CASA Domestic

90519

91648

93375

1.89

3.16

Sep-22

Jun-23

Sep-23

CASA (%)

SB (%)

CA (%)

c) Term Deposits

138212 148919

150582

1.12

8.95

39.57

38.10

38.28

2. Overseas Deposits

6418

9128

5454

(40.25)

(15.02)

34.51

34.01

34.13

3. Global Deposits (1+2)

235149 249694 249411

(0.11)

6.07

CASA Domestic (%)

39.57

38.10

38.28

5.06

4.09

4.15

Sep-22

Jun-23

Sep-23

Page 7

Domestic Advances

₹ in (Cr)

Sep-22

Jun-23

Sep-23

Q-o-Q (%)

Y-O-Y (%)

1. Domestic Advances 122680

139804 142953

2.25

16.53

37.59%

38.52%

37.01%

a) Retail

31055

35280

36362

3.07

17.09

b) Agriculture

20105

21690

22985

5.97

14.32

20.71%

20.73%

21.47%

c) MSME

25406

28982

30699

5.92

20.83

16.39%

15.51%

16.08%

2. Total RAM (a+b+c)

76566

85952

90046

4.76

17.61

3. RAM Share (%)

62.41

61.48

63.15

25.31%

25.24%

25.44%

d) Corporate & Others

46114

53852

52907

(1.79)

14.73

Sep-22

Jun-23

Sep-23

Corporate & Others

MSME

Agri

Retail

Page 8

Retail Mix

Particulars

Sep-22

Jun-23

Sep-23

Growth (Q-Q) %

Growth (Y-Y) %

Sep-22 Home Loan Vehicle Loan Personal Loan Others

Home Loan

17623

20315

21366

Vehicle Loan

1968

2373

2509

Personal Loan

1035

1598

1604

4.92

5.42

0.37

21.24

27.49

54.98

Others

Total

10429

10994

10883

(1.02)

4.35

31055

35280

36362

2.98

17.09

34%

57%

Sep-23

Home Loan Vehicle Loan Personal Loan Others

30%

59%

Page 9

Agriculture

Sep-22

Jun-23

Sep-23

1. Crop Loans

2. Investment Credit

3. Agri. Allied

4. Infrastructure & Ancillary

9699

3870

4125

2411

9628

4625

4441

2996

9756

5245

5032

2952

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

20105

21690

22985

Q-O-Q (%)

1.33

13.41

13.31

(1.44)

5.98

Y-O-Y (%)

0.59

35.53

21.99

22.48

14.33

Self Help Group

Sep’22 June’23 Sep’23

Q-O-Q (%)

Y-O-Y (%)

No of Group (Lakhs)

1.39

1.50

1.55

3.33

11.51

Balance Outstanding (₹ in Cr)

1910

2266

2652

17.03

38.85

Disbursed during Qtr (₹ in Cr)

502

336

788

134.52

56.97

Women Beneficiaries (No in lakhs)

11.52

13.31

13.95

4.81

21.09

Page 10

MSME Portfolio Mix

25406

28982

30699

18424

19387

16081

Micro Small Medium

8674

9875

10566

651

683

746

Sep-22

Jun-23

Sep-23

MSME Mix

Sep-22

Jun-23

Sep-23

Micro

Small

16081

18424

19387

8674

9875

10566

Medium

651

683

746

Total MSME

25406

28982

30699

Performance under PMMY

₹ in Cr.

HY 22

HY 23

Amount Sanctioned

Amount Disbursed

1807

1790

2193

2160

PM SVANidhi

Application Sanctioned (Nos.)

As on 30.09.2023 128489

Disbursed out of Sanctioned (Nos.) Performance under GECL Facility

120747

GECL (₹ in Cr.)

Amount Sanctioned

Amount Disbursed

Upto Sep 22 3109

3077

Upto Sep 23 3153

3128

Outstanding As on 30.09.2023 – 1239.30 Cr.

Standup India (No.)

Target Achievement Achievement (%)

As on 30.09.2023 5304 5450 103%

Page 11

Priority Sector Advances

Segment

RBI Benchmark (%)

Priority Sector

Agriculture

Small/Marginal Farmer

Weaker Section

40%

18%

10%

12%

Mandatory Target Sep-23

Achievement Sep-23

Achievement (%)

₹ in (Cr)

53851

73170

54.35%

24233

25705

19.09%

13463

15037

11.17%

16155

18534

13.77%

Micro Under MSME

7.5%

10097

19387

14.40%

Non Corporate Farmers

13.78%

18552

20802

15.45%

Page 12

Financial Inclusion Growth

PMSBY (In Lakhs)

PMJJBY (In Lakhs)

APY Accounts ( In Lakhs)

52.76 %

43.00

49.74

32.56

15.84

42.74 %

20.87

22.61

46.80 %

8.88

9.63

 State Level Bankers Committee

(SLBC) – 2 (Odisha & Himachal

6.56

Pradesh)

Sep-22

Jun-23

Sep-23

Sep-22

Jun-23

Sep-23

Sep-22

Jun-23

Sep-23

 Lead District Manager (LDM) – 35

 Rural Self Employment Training

Center (RSETI) – 27 (7 States)

 Centre for Financial Literacy – 106

PMJDY Accounts (In Lakhs)

10.33 %

131

128

Balance in PMJDY Accounts (In Crore)

18.88 %

5691

115.60 %

5823

8107

No of BC

 Financial Literacy Counselors – 22

8747

 No. of Financial Literacy Camps –

1869

119

4898

4057

 No. of beneficiaries - 62595

 RRB -1 (Paschim Banga Gramin

Bank)

Sep-22

Jun-23

Sep-23

Sep-22

Jun-23

Sep-23

Sep-22

Jun-23

Sep-23

Page 13

Sectoral Credit–Domestic Advances

Sector (₹ in Cr.)

30.09.2022

% share to Advances

30.06.2023

% share to Advances

30.09.2023

% share to Advances

Infrastructure

Of which Power & Energy

Port and Road Project

Other infrastructure

Basic Metal

Textiles

Petroleum and Coal Products

All Engineering

Food Processing

Commercial Real Estate

NBFC Other (Other Industries/Sectors) Total Domestic Advance

12274

10.00

14340

10.26

13701

9.58

7457

2604

2213

2138

650

331

780

1185

714

16793

87815

122680

6.08

2.12

1.80

1.74

0.53

0.27

0.64

0.97

0.58

13.69

71.58

100

9143

3344

1854

2989

820

362

832

1175

823

20917

97546

139804

6.54

2.39

1.33

2.14

0.59

0.26

0.60

0.84

0.59

14.96

68.77

100

7926

3738

2037

3684

901

387

875

1264

927

22282

98931

142953

5.54

2.61

1.43

2.58

0.63

0.27

0.61

0.88

0.65

15.59

69.21

100

Page 14

Standard NBFC Advances

Standard NBFC (₹ in Cr.)

30.09.2022

30.06.2023

NBFC - PSUs

NBFC - HFCs

NBFC - MFIs

NBFC - Others

Total

3700

5342

1026

6706

16774

22.05

31.85

6.12

39.98

100

4000

8036

870

7992

20898

19.15

38.45

4.16

38.24

100

30.09.2023

5550

6463

770

9495

22278

24.91

29.01

3.46

42.62

100

Rating of Standard NBFCs AA

AAA

BBB

Rating of Standard HFCs AA

AAA

BBB

50%

57%

38%

37%

48%

46%

61%

36%

52%

43%

10%

Sep-22

Jun-23

Sep-23

Sep-22

Jun-23

Sep-23

Standard NBFCs (₹ in Cr.)

30.09.2022

30.06.2023

30.09.2023

Out of Std. NBFCs (₹ in Cr.) 30.09.2022

30.06.2023

30.09.2023

NBFCs

Bank sponsored

PSU & Private Inst. (non-Bank)

Total

974

15800

16774

3182

17716

20898

1585

20693

22278

HFCs

Bank sponsored

PSU & Private Inst. (non-Bank)

Total

974

4368

5342

3182

4854

8036

1585

4878

6463

Page 15

Rating Mix (of advances above ₹25 Cr)

Rating Grade (₹ in (Cr) Sep-22 % Share Jun-23 % Share Sep-23 % Share

AAA

BBB

16870

31.54

23150

36.44

24079

36.66

7833

14.64

10058

15.83

11620

17.69

10643

19.90

10677

16.81

11285

17.18

3732

6.98

2833

4.46

3390

5.16

BBB & above

39078

73.06

46718

73.54

50373

76.69

Advance Mix of Benchmark Rate

0.11%

1.70%

20.51%

0.06%

1.10%

15.48%

0.06%

1.00%

13.92%

Below BBB

Total Rated Of Which a) PSU

b) Others

2512

4.70

2816

4.43

2501

3.81

41590

77.76

49533 77.97

52875

80.50

41.36%

44.41%

45.54%

13237

28353

24.75

53.01

16797

26.44

17165

32737

51.53

35710

26.13

54.37

Total Unrated

11896

22.24

13998 22.03

12807

19.50

Of Which a) PSU with Govt. Guarantee b) PSU without Govt. Guarantee c) Others Total (Rated + Unrated)

9817

18.35

10595

16.68

9091

13.84

116

1963

0.22

3.67

474

2929

0.74

4.61

548

3168

0.83

4.82

53486

100

63531

100

65681

100

36.32%

38.95%

39.48%

Sep-22

Jun-23

Sep-23

MCLR

Repo

Fixed

Base Rate

BPLR

Page 16

Investment Portfolio

Sl.

Parameters (₹ 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)

2 Modified Duration (AFS+HFT)

Overseas Investment

Total Gross Investment (1+3)

Sep-22

98320

69703

70.89

28617

73817

24503

3.30

2414

100734

Jun-23

93213

65838

70.63

27375

76082

16954

177

2.72

3116

96329

Sep-23

94691

67628

71.42

27063

76043

18648

2.93

2795

97486

HTM To Gross Domestic Investment (%)

73.28%

81.62%

80.31%

Page 17

Non SLR Investment

Parameters

Sep-22

Jun-23

Sep-23

O/S

% Share

O/S

% Share

O/S

% Share

PSU Bonds

Corporate and Other Bonds & Debentures

Special Govt. Sec excl. Recap Bonds

648

1382

4666

2.26

4.83

616

2061

2.25

7.53

16.30

3706

13.54

585

2009

3706

2.16

7.42

13.71

Sl.

4 CG Recap. Bond

18410

64.33

18410

67.25

18410

68.03

Share of PSU/Corporate/Others

6 Venture Capital Fund

7 Regional Rural Bank

Security Receipts

Subsidiaries JV

10 Certificate of Deposit (CD)

1107

199

1259

910

Total Non SLR Investment

28617

3.87

0.13

0.69

4.40

3.18

100

828

239

1083

395

27375

3.02

0.13

0.87

3.95

1.44

100

838

239

1049

191

27063

3.09

0.14

0.88

3.88

0.71

100

Page 18

Financials

Page 19

Profitability

Quarter Ended

Growth

Half Year ended Growth

Year Ended

FY 22-23

Sl. Parameters ( ₹ in Cr.)

1 Interest Income

2 Interest Expenses

Net Interest Income (1-2)

Sep-22 Jun-23 Sep-23

4185

2415

5224

3215

5219

3302

Y-O-Y

(%)

Q-O-Q (%)

24.71

(0.10)

36.72

2.71

Sep-22

Sep-23

Y-O-Y

(%)

8036

4617

10443

29.95

6517

41.17

17651

10307

1770

2009

1917

8.30

(4.59)

3419

3926

14.81

7343

4 Non-Interest Income

780

633

647

(17.07)

2.17

725

1280

76.41

2508

Operating income(3+4)

2550

2642

2564

0.54

(2.97)

4144

5206

25.59

9851

6 Operating Expenses

1360

Staff Expenses

Other Operating Expenses

946

414

1439

1028

411

7 Operating Profit (5-6)

1190

1202

8 Provisions

9 Net Profit (7-8)

685

505

979

223

1582

1063

519

982

580

402

16.30

12.34

9.86

3.33

2515

1768

3021

2091

20.12

18.24

5511

3873

26.16

26.99

747

930

25.02

1638

(17.47)

(18.34)

1630

2184

34.03

(15.33)

(40.73)

1002

1559

55.56

(20.39)

79.74

628

625

(0.47)

4341

2478

1862

Page 20

Net Interest Income

Sl.

Particulars ( ₹ in Cr.)

Quarter Ended

Growth

Half Year ended

Growth

Year Ended

Sep-22 Jun-23 Sep-23

Y-O-Y (%)

Q-O-Q (%)

Sep-22 Sep-23

Y-O-Y

(%)

FY 22-23

1. Interest Income

a. From Advances

b. From Investments

4185

2390

1548

5224

5219

24.71

(0.10)

8036

10443

29.95

17651

3314

3377

41.34

1.91

4531

6691

47.68

10343

1510

1528

(1.29)

1.17

3082

3037

(1.46)

6223

c. Others

248

400

314

26.70

(21.52)

423

715

68.91

1084

2. Interest Expended

a. On Deposits

b. On Borrowings

c. Bonds & Others

2415

2243

3215

3302

36.72

2.71

4617

6517

41.17

10307

2839

2925

30.43

3.02

4338

5764

32.87

9417

283

279

207.19

(1.41)

119

563

373.74

19.77

5.76

160

190

19.17

544

347

3. Net Interest Income (1-2)

1770

2009

1917

8.30

(4.59)

3419

3926

14.81

7343

Page 21

Non Interest Income

Sl. Particulars ( ₹ in Cr.)

Quarter Ended

Growth

Half Year ended Growth

Year Ended

Sep-22 Jun-23 Sep-23 Y-O-Y (%)

Q-O-Q (%)

Sep-22 Sep-23

Y-O-Y (%)

FY 22-23

1. Fee Based Income

209

234

300

43.76

28.41

470

534

13.75

1000

Charges & Commission from Advance

Commission from Third Party Product

Charges & Commission from Others

36.62

5.43

205

189

(7.80)

401

42.86

81.82

29.17

124

131

183

47.58

39.69

241

314

30.29

487

2. Recovery in Written Off

408

261

290

(28.86) 11.11

640

551

(13.90)

1624

3. Treasury Income

163

138

(65.57)

(58.27)

(385)

195

(116)

4. Total (1+2+3)

780

633

647

(17.07)

2.17

725

1280

76.41

2508

Page 22

Operating Expenses

Sl. Particulars ( ₹ in Cr.)

1 Salary

2 Employee Benefits

Total Staff Expenses (1+2)

4 Rent, Taxes & Lighting

Printing & Stationery

6 Depreciation

IT Related Expenditure

Quarter Ended

Variation

Half Year ended Growth

Sep-22 Jun-23 Sep-23

Y-O-Y (%)

Q-O-Q (%)

Sep-22 Sep-23

Y-O-Y (%)

Year Ended

FY 22-23

678

268

773

255

809

253

19.32

4.66

1321

1582

19.76

2717

(5.60)

(0.78)

447

508

13.65

1156

946

1028

1062

12.34

3.35

1768

2090

18.24

3873

15.84

29.34

136

161

18.01

75.00

57.14

22.06

15.94

102

130

27.24

(7.41)

66.67

(5.88)

294

218

180

651

8 Others

217

243

295

35.94

21.40

410

538

31.22

Total Other Operating Expenses (4+5+6+7+8) Total Operating Expenses (3+9)

414

411

520

25.36

26.28

747

931

24.58

1638

1360

1439

1582

16.30

9.90

2515

3021

20.12

5511

Page 23

Sl. Particulars

( ₹ in Cr.)

1. NPA

2. NPI

3. Standard Assets

4. Others

Provision Details

Quarter Ended

Half Year ended

Year Ended

Sep-22

Jun-23

Sep-23

Sep-22

Sep-23 FY 22-23

400

113

(128)

389

336

668

392

(433)

(2)

163

285

123

725

1296

161

285

361

324

(244)

1043

Income Tax (Including DTA)

280

238

349

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

685

979

580

1002

1559

2478

Page 24

Key Financial Indicators

Particulars

Cost of Deposits (%)

Cost of Funds (%)

Cost to Income Ratio (%)

Yield on Advances Domestic (%)

Yield on Advances Global (%)

Yield on Investments Domestic (%)

Yield on Investments Global (%)

Net Interest Margin (NIM) Domestic (%)

Return on Assets (RoA) Annualised(%)

Return on Equity Annualised (RoE) (%)

Earnings per Share (Not Annualised) (₹)

Book Value per Share (₹)

Business per Employee (₹ in Cr)

Quarter Ended

Half Year ended

Year Ended

Sep-22

Jun-23

Sep-23

3.95

3.27

53.33

7.78

7.17

6.38

6.28

2.97

0.68

9.76

0.42

10.67

17.12

4.61

4.33

54.49

8.63

8.24

6.44

6.33

3.03

0.28

7.04

0.19

12.59

18.89

4.77

4.47

61.70

8.80

8.38

6.46

6.35

3.05

0.54

10.94

0.34

13.19

19.06

Sep-22 3.86

3.20

60.68

7.56

6.95

6.36

6.25

2.91

0.43

6.10

0.53

10.67

17.12

Sep-23 4.69

4.40

58.04

8.71

8.31

6.60

6.34

3.12

0.42

8.62

0.52

13.19

19.06

FY 22-23 4.06

3.43

55.94

8.01

7.46

6.45

6.49

3.03

0.62

14.87

0.49

12.34

18.90

Business per Branch (₹ in Cr)

121.40

128.92

129.75

121.40

129.75

128.31

Net Profit per Employee (₹ in lakhs)

2.29

1.02

1.84

2.85

2.86

2.67

Page 25

Key Financial Indicators (Qtr.)

Yield on Advance Global (%)

Yield on Advance Domestic (%)

8.24

8.38

7.99

7.82

8.80

8.63

8.39

8.44

Yield on Funds (%)

7.79

7.74

7.32

7.08

7.17

7.78

6.71

Sep-22 Dec-22 Mar-23 Jun-23 Sep-23

Cost of Deposit ( %)

Yield on Investment Global (%)

Yield on Investment Domestic (%)

6.47

6.58

3.95

4.12

4.36

4.61

4.77

6.31

6.28

6.33

6.35

6.42

6.38

6.44

6.46

Sep-22 Dec-22 Mar-23 Jun-23 Sep-23

Page 26

Efficiency Ratio (Qtr.)

NIM Global ( %)

Return on Assets (%)

NIM Domestic ( %)

3.18

3.08

3.03

3.05

2.99

2.90

2.97

2.84

2.86

2.84

0.85

0.73

0.68

0.54

0.28

Sep-22 Dec-22 Mar-23

Jun-23

Sep-23

Sep-22 Dec-22 Mar-23

Jun-23

Sep-23

Sep-22 Dec-22 Mar-23

Jun-23

Sep-23

Return on Equity (%) 17.14

12.27

9.76

10.94

7.04

Book Value Per Share (₹)

Earning Per Share (₹)

10.67

11.59

12.34

12.59

13.19

0.55

0.49

0.42

0.34

0.19

Sep-22 Dec-22 Mar-23

Jun-23

Sep-23

Sep-22 Dec-22 Mar-23

Jun-23

Sep-23

Sep-22 Dec-22 Mar-23

Jun-23

Sep-23

Page 27

Productivity Ratio

Business Per Branch ( ₹ in Cr.)

128

129

130

Business Per Employee ( ₹ in Cr.)

126

121

Sep-22

Dec-22

Mar-23

Jun-23

Sep-23

Sep-22

Dec-22

Mar-23

Jun-23

Sep-23

Operating Profit per employee ( ₹ in Lakhs)

6.18

6.24

5.40

5.49

4.49

2.29

Net Profit Per Employee ( ₹ in Lakhs)

2.98

2.67

1.84

1.02

Sep-22

Dec-22

Mar-23

Jun-23

Sep-23

Sep-22

Dec-22

Mar-23

Jun-23

Sep-23

Page 28

Balance Sheet

CAPITAL & LIABILITIES

30.09.2022

31.03.2023

30.09.2023

₹ in (Cr)

Capital

Reserves & Surplus

Deposits

Borrrowings

Other Liabilities & Provisions

Total

11956

12408

235149

19575

6257

285345

11956

13808

249338

20501

5260

300863

11956

14465

249411

32857

6722

315411

ASSETS

30.09.2022

31.03.2023

30.09.2023

Cash and Balances with RBI

Balances with Banks and Money at Call and Short Notice

Investments

Advances

Fixed Assets

Other Assets

Total

13818

15884

97897

135428

3383

18935

285345

10300

18428

95169

155870

3510

17586

300863

11892

24776

95194

162597

3547

17406

315411

Page 29

Asset quality

Page 30

Asset Quality

Gross NPA

Net NPA

₹ in (Cr)

10237

9740

9359

8506

7726

7355

6939

3316

3104

2700

2407

2018

1877

1802

Net NPA (%)

Gross NPA %

7.89

7.42

6.58

5.63

2.70

2.49

1.99

1.66

4.78

4.48

4.14

1.29

1.18

1.11

Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23

PCR (Incl. TWO)

PCR (Excl. TWO)

Slippage Ratio (%)

Credit Cost (%)

91.44

91.96

92.90

93.58

94.50

94.88

95.07

67.61

68.13

71.15

71.70

73.88

74.48

74.04

5.01

2.49

1.86

1.90

1.64

1.32

1.33

1.42

Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23

0.60 Mar-22 Jun-22 Sep-22 Dec-22 Mar-23 Jun-23 Sep-23

1.07

0.97

0.83

0.82

1.17

Page 31

Asset Quality

Item

Sep-22 Jun-23 Sep-23

₹ in (Cr)

ASSET CLASSIFICATION

₹ in (Cr)

Gross NPA (₹ in Cr.)

9359

7355

6939

Item

Sep-22

Jun-23

Sep-23

Net NPA₹ in (₹ in Cr.)

2700

1877

1802

Gross NPA (%)

6.58

4.48

4.14

Standard

132797

93.42

156923

95.52

160795

95.86

Net NPA (%)

1.99

1.18

1.11

Sub- standard

1459

1.03

1184

0.72

1314

0.78

PCR % (Incl TWO)

92.90

94.88

95.07

Doubtful

7305

5.14

5687

3.46

5417

3.23

PCR % (Excl TWO)

71.15

74.48

74.04

Slippage Ratio Annualised (%)

1.90

1.33

1.42

Loss

595

0.42

484

0.29

208

0.12

Credit Cost Annualised (%)

1.17

0.97

0.83

Total Advance

142156

100

164278

100

167734

100

Page 32

Movement of NPA

Sl.

Item (₹ in Cr)

1. Opening Balance

Less

a. Cash Recovery

b. Upgradation

c. Write off

2. Total Reduction (a+b+c) 3. Fresh Addition (d+e)

d. Fresh Slippage

e. Addition to Existing NPA

4. Closing Balance (1-2+3)

5. Recovery in Written off + RI

Total Recovery + Upgradation (a+b+5)

1354

678

2575

4607

2096

1487

609

7726

1624

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

Quarter Ended

10237

9740

7726

7355

Fresh Addition (₹ in Cr)

Quarter Ended

Sep-22 Jun-23 Sep-23

386

176

397

959

578

430

148

169

104

635

908

536

512

185

137

672

994

578

558

9359

7355

6939

Retail

Agriculture

152

MSME

RAM

Corporate & Others Addition to existing NPA

Total

198

430

148

578

260

440

178

130

378

180

536

578

482

3656

1044

316

589

334

656

Page 33

Segment NPA

Sl.

Sector

30.09.2022

30.06.2023

30.09.2023

Gross Advances

Gross NPA

% to respective portfolio

Gross Advances

Gross NPA

% to respective portfolio

Gross Advances

Gross NPA

% to respective portfolio

Retail Credit

31055

697

2.24

35280

550

1.56

36362

498

1.37

₹ in (Cr)

Of which

Home Loan

Education Loan

Vehicle Loan

Agriculture

3 MSME

17623

908

1968

20105

25430

303

103

3574

2462

1.72

20315

262

11.34

874

2.18

2373

17.78

21690

28982

9.68

4.12

3317

2326

1.29

2.64

1.82

21366

248

917

2509

1.16

2.62

1.75

15.29

22985

3440

14.97

8.03

1.35

30699

2280

52907

531

Corporate & Others

46090

1900

53852

726

Total ( 1 to 4)

122680

8633

7.04

139804

6920

4.95

142953

6749

Overseas

Total

19476

726

3.73

24474

435

1.78

24781

191

142156

9359

6.58

164278

7355

4.48

167734

6939

7.43

1.00

4.72

0.77

4.14

Page 34

SMA & Restructured Advances

SMA Position of the Bank (1 cr and above)

₹ in (Cr)

Parameters

SMA 0

SMA 1

SMA 2

Total

Sep'22

Jun'23

Sep'23

B/o (in Crs)

% to Gross Advances

B/o (in Crs)

% to Gross Advances

B/o (in Crs)

% to Gross Advances

1124.23

352.80

788.58

0.79%

0.25%

0.55%

589.07

1761.37

281.39

0.36%

1.07%

0.17%

579.78

713.07

428.87

0.35%

0.42%

0.26%

2265.61

1.59%

2631.83

1.60%

1721.72

1.03%

Particulars

MSME

Personal

Corporate

Others

Total

COVID Restructuring (RF1 & RF 2)

Standard 30.09.2022 AMT

1357.16

1160.75

492.64

199.22

3209.77

Standard 30.06.2023 AMT

Standard 30.09.2023 AMT

1083.85

1008.07

484.98

164.86

2741.76

982.56

966.03

455.58

150.31

2554.48

Page 35

NCLT & NARCL

Sep-2023 (₹ Cr.)

1st List

2nd List

Others

Total

Exposure to number of accounts referred under IBC

NCLT

Loan Outstanding

Total Provisions Held

Provision Percentage (%)

1410

100%

3109

100%

197

14330

14308

222

18849

18827

99.85%

99.88%

Sep-22

Jun-23

Sep-23

No of Accounts

Amount

No of Accounts

Amount

No of Accounts

Amount

Recovery From NCLT

Through Resolution

Under Liquidation

Total

Our Bank exposure as on 30.09.2023

186

211

Particulars

NARCL

No of Accounts

Amount

2898

A/cs where bid submitted and under process A/cs kept on hold temporarily List of under progress A/cs Newly Identified Cases Total A/c identified by NARCL

108

30.09.2023

A/c 5 4 3 5 17

Amt

597 904 670 727 2898

Page 36

Capital & Shareholding

Page 37

Capital Adequacy

CET-I

Tier- I

Tier- II

14.02

16.85

16.83

2.77

11.25

2.70

2.64

14.16

14.19

11.25

13.70

13.74

Sep-22

Jun-23

Sep-23

Particulars

Credit RWA

Market RWA Operational RWA

Total RWA

Advances

Sep-22 Jun-23 Sep-23

79448

85889

87901

9527

6995

7242

164460

17523

105436 110406 112666

142156 164278 167734

Credit RWA to Advance (%) 55.89

52.28

52.40

Credit RWA to Advances (%)

Sep-22

Jun-23

Sep-23

55.89

Particulars (₹ in Cr)

CET1 Capital

Tier I Capital

Tier II Capital

11862

2925

15128

15628

2981

15484

15984

2980

Total Capital

14787

18609

18964

52.28

52.40

Sep-22

Jun-23

Sep-23

Page 38

Share Holding & Ratings

Share Holding Pattern 30.09.2023

Others, 3.14

DIIs, 1.37

FPIs, 0.10

Govt., 95.39

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

Capital Raising Plan FY 2023-24

AT I Bond -

Rs 500 Cr

Equity Capital Upto- Rs 2000 Cr.

Page 39

Business Network

Page 40

Our Presence

Domestic Branches

Overseas Branches

ATM

BCs

3213

2+1 Rep. off.

2472

8747

South, 336

10.46%

Central, 533 16.59%

North, 848

26.39%

North East, 214

6.66%

West, 307

9.55%

East, 975

30.34%

Rural, 1118

34.80%

Metro, 599

18.64%

Semi urban, 867

26.98%

Urban, 629

19.58%

Page 41

Associate

Paschim Banga Gramin Bank

As on 30.09.2023 (Audited) Amount (₹ in Cr)

Particulars

Sep-22 Qtr.

Jun-23 Qtr.

Sep-23 Qtr.

Q-o-Q (%)

Y-o-Y (%)

HY 22-23

Business

Deposit

Advances

9837

6335

3502

10306

10617

6556

3750

6730

3887

3.02

2.65

3.65

7.93

6.24

10.98

9837

6335

3502

HY 23-24

10617

6730

3887

Y-o-Y (%)

7.93

6.24

10.98

FY 22-23

10318

6570

3748

Operating Profit

(16.02)

44.60

40.34

(9.55)

351.81

(29.99)

84.94

383.23

(25.36)

(20.66)

4.16

5.34

28.37

125.85 (38.14)

9.50

124.91 (55.01)

Net Profit

Gross NPA (%)

Net NPA (%)

CRAR (%)

10.91

5.50

4.38

9.71

3.45

6.53

No of Branches Employee Strength

- -

9.41

2.50

7.01

230 865

-30 bps 150 bps

10.91

9.41

-150 bps

9.37

-95 bps -300 bps

5.50

2.50

-250 bps

3.94

+48 bps +263 bps

4.38

7.01

+263 bps

5.10

- -

Page 42

Digital Journey

Page 43

Digital Offerings

Tab Banking

Instant Account Opening

QR code Generation

UPI transaction

ICCW (UPI based Cash withdrawal)

Corporate Mobile Banking

SNA/CNA Application

UCO Merchant Solution (QR Code /Sound box)

Digital Payment System

Travel Marketplace

UPI 123 Pay through IVR

HELLO UPI

Flight

Bus

Hotel

UPI Lite & UPI Global

Shopping/Rewards Program

MSME Suite Features

Loan Against FDR

QR code Generatio n

Online Deceased claim settlement

Digital MSME Suites

E-Market place

Shopping Offers

Customer Loyalty Rewards Program (UCOINS)

Page 44

Digital Offerings

Digital Lending

Revamped Mbanking app

Digital Products

Pre Approved Personal Loan

Pension Loan

Loan Against FDR

KCC Renewal

Shishu Mudra Loan

MSME CC Auto renewal

7 Merchant Credit Card

WhatsApp Banking

Apply for Loan

Apply for Debit Card

ATM Locator

Account Balance/Mini Statement

Payment Gateway

QR Code

Enhanced User Interface

Full UPI functionality integrated

App Guidance

What's New feature list

Mahila Samman Saving Certificate

NRE FD Accounts Scheme

Conversational Payment (UPI 123)

UPI Lite X

Mera Account Meri Pehchaan Customized account no. for payment

Wealth Management

Insurance

PMJBY/PMSBY

Sukanya Samrddhi Account

Atal Pension Yajna

PPF Account Opening

Online Diseased claim request

Travel Marketplace

Online Customer Feedback

Page 45

4.6 Play Store Ratings

Digital Offerings

UCO Corporate m-Banking App

UPI Global Payments

Bulk Payment

Digital Banking Unit

Account Aggregator

Full UPI functionality Integration in Mbanking app

Digital Customer Empowerment

Tab Banking

App/Web based Fee Collection Module

Mahila Samman Saving Certificate

UPI Autopay Mandate/SI E-Mandate

One of the best play store ratings of 4.8

MSME Suite features Bulk Fund Transfer Cheque Book Services Online Loan Against FD QR code Generation Deposit Linked Services

Industry Specific User Interface

Supports multi user account

Page 46

Digital Performance

Debit Cards (In Lakhs)

6.72 %

127

Internet Banking (In Lakhs)

7.16 %

15.42

119

14.39

Sep-22

Sep-23

Sep-22

Sep-23

Retail Mobile Banking ( In Lakhs)

39.13 %

Corporate Mobile Banking ( In Lakhs)

219.04 %

0.67

0.21

Sep-22

Sep-23

Sep-22

Sep-23

Page 47

Digital Transactions

Mobile Banking No of Transactions (In Lakhs)

Corporate Mobile Banking Transactions (In Lakhs)

12.12 %

259

231

Sep-22

Sep-23

UPI No of Transactions (In Lakhs)

71.45 %

5512

3215

Sep-22

Sep-23

10.20

219.75 %

3.19

Sep-22

Sep-23

Digital Merchant QR (Sound Box) No of Transactions (in Lakhs)

341.76 %

52.57

11.90

Mar-23

Sep-23

Page 48

Social Media Presence

@UCOBankOfficial

45,900

@official.ucobank

20,800

@official.ucobank

50,995

WhatsApp Banking Say Hi to 8334001234

@uco-bank 22,000

@ucobank 36,800

@uco-bank 19,000

Page 49

ESG Initiative

Page 50

ESG Initiative

Environmental

Social

Governance



To enhance the eco-friendly banking, e- banking credentials are being sent to customer’s email instead of physical PIN mailers.

To embrace the Green Path, Jansuraksha Portal integrated with m-banking & e- banking for PMJJBY & PMSBY registration.

 As part of our green initiative, LED lights have been used in branches and the usage of one-time plastic at administrative offices have also been reduced.



Bank has loan launched special product exclusively for purchase of Electric Vehicles at discounted rate of interest.

retail

 As a part of CSR, Bank contributed to Chief Minister Relief Fund, Himachal Pradesh for natural calamity restoration.

 More than 1.20 lakh street vendors were benefitted through financing under PM Street Vendor Atma Nirbhar Nidhi Scheme.

 More than 689734 persons were educated through 23427 programmes conducted by 106 Center for Financial Literacy (CFL) sponsored by the Bank till 30.09.2023.

 Bank Lending to rural women by providing to more than 13.95 lakhs rural credit women through over 1.55 lakh Self Help Group Loans.

 Bank implemented Government Sponsored Social Security Scheme through its pan India branches, the details of which (no. of beneficiaries) are as under :

 PMSBY – 49.74 lakhs

 PMJJBY – 22.61 lakhs

 APY – 9.63 lakhs

 Bank has established a cutting-edge Cyber Security Operations Centre (CSOC) armed with advanced tools for intercepting and ensuring robust security.

threats

cyber

 Bank deploys a multifaceted approach to enhance cyber security awareness through online resources, advisories, displays, social media, informative materials diverse communication channels to make the customers as well as wide audience cyber-aware.

physical

and

 Online Grievance Redressal System (OGRS), a web link placed on Bank’s Website for better control and speedy redressal of the complaints received from various sources.

Page 51

Awards & Achievements

Page 52

Awards & Achievements

Rajbhasha

UCO Bank has secured 3rd Rank in Rajbhasha Kirti Purashkar

Rupay Credit Card

Launch of RuPAY Merchant Platinum Credit Card

Page 53

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.

Page 54

Thank you

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