Uco Bank · NSE:UCOBANK
Uco Bank — FY2024 Earnings Presentation
54 slides from Uco Bank's earnings presentation, Apr 29, 2024
Slide 1: Cover letter: Presentation on Audited Financial Results FY 2023-24
यूको बैंक UCO BANK सम्मान आपके विश्वास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/31/2024-25 Date: 29.04.2024 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/1
Slide 2: Financial Results: FY 2023-24
UCO BANK यूको बक िव ीय प रणाम: िव ीय वष 2023-24 Financial Results: FY 2023-24 Connect with us @ official.ucobank:
Slide 3: Contents
Contents Highlights: March Q4 & FY 2023-24 3 Business Performance 4-17 Financials 18-27 Asset Quality 28-34 Capital & Shareholding 35-36 Business Network 37-39 Digital Journey 40-46 ESG Initiative 47-49 Products & Services and Highlights 50-51 Page 2
Slide 4: Major Highlights
Major Highlights Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Business Deposit Savings Current CASA Share CD Ratio (Domestic) (Domestic) (Domestic) ₹450007 Cr. ₹263130 Cr. 71.02% ₹86029 Cr.
Slide 5: Total Business
Total Business Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Business Mix (₹ in Cr) Mar-23 Dec-23 Mar-24 Q-Q (%) Y-Y (%) Global Business 410967 435456 450007 3.34 9.50 Domestic 380173 401155
Slide 6: Global Deposits
Global Deposits Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Savings Current 81017 83313 86029 Growth (%) Particulars (₹ in Cr) Mar-23 Dec-23 Mar-24 Q-Q Y-Y 10037 9566 12091 1. Domestic Depo
Slide 7: Domestic Advances
Domestic Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Q-o-Q Y-o-Y ₹ in (Cr) Mar-23 Dec-23 Mar-24 (%) (%) 1. Domestic Advances 139432 154204 162272 5.23 16.38 38.59% 39.22% 39.91% a)
Slide 8: Retail Mix
Retail Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Mar-24 Particulars Growth Growth Mar-23 Dec-23 Mar-24 Home Loan Vehicle Loan (₹ in Cr) (Q-Q) % (Y-Y) % Personal Loan Others Home Loan
Slide 9: Agriculture
Agriculture Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Q-o-Q Y-O-Y Agriculture (₹ in Cr) Mar-23 Dec-23 Mar-24 (%) (%) 1.Farm Credit (Crop, Investment & Allied) 18588 20108 21416 6.50 15.21
Slide 10: MSME Portfolio Mix
MSME Portfolio Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services SMALL TOTAL MICRO MEDIUM 60.84% 36.82% 2.34% 32714 Cr ₹ 12,045 (36.82%) ₹ 767 ₹ 19,902 (2.34%) ₹ 32714 Cr (60.84%) ₹ 9,903 ₹ 6
Slide 11: MSME Portfolio Mix
MSME Portfolio Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Performance under GECL Facility Performance under PMMY GECL (₹ in Cr.) Upto M ar 24 PMMY (₹ in Cr.) FY 23-24 Amount Sanctioned
Slide 12: Priority Sector Advances
Priority Sector Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Segment (₹ in Cr) RBI Benchmark (%) Mandatory Target Achievement Achievement (%) Priority Sector 40% 56214 76537 54.54 A
Slide 13: Financial Inclusion Growth
Financial Inclusion Growth Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services PMSBY (In Lakhs) PMJJBY (In Lakhs) APY Accounts ( In Lakhs) 25.78 % 29.47% State Level Bankers Committee 33.64 % 10.
Slide 14: Sectoral Credit-Advances
Sectoral Credit-Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services % share to Total % share to Total % share to Total Sector (₹ in Cr.) 31.03.2023 31.12.2023 31.03.2024 Advances Advances
Slide 15: Standard NBFC Advances
Standard NBFC Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Standard NBFC (₹ in Cr.) 31.03.2023 % 31.12.2023 % 31.03.2024 % NBFC - PSUs 4200 19.61 6050 24.12 4550 18.91 NBFC - HFCs 8
Slide 16: Rating Mix (of advances above ₹25 Cr)
Rating Mix (of advances above ₹25 Cr) Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Rating Grade (₹ in Cr) Mar-23 % Share Dec-23 % Share Mar-24 % Share Advance Mix of Benchmark Rate AAA 22964
Slide 17: Investment Portfolio
Investment Portfolio Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Sl. Parameters (₹ in Cr) Mar-23 Dec-23 Mar-24 1 Domestic Investment 94693 94840 92970 a SLR 67572 67365 66418 SLR as % to Do
Slide 18: Non SLR Investment
Non SLR Investment Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Mar-23 Dec-23 Mar-24 Sl. Parameters (₹ in Cr) O/S % Share O/S % Share O/S % Share 1 PSU Bonds 616 2.27 575 2.09 553 2.08 2 Cor
Slide 19: Profitability
Profitability Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Growth Financial Year Growth Sl. Parameters ( ₹ in Cr.) Mar-23 Dec-23 Mar-24 Q-O-Q (%) Y-O-Y (%) 22-23 23-24 Y-O-Y(%)
Slide 20: Net Interest Income
Net Interest Income Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Growth Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-23 Dec-23 Mar-24 Q-O-Q (%) Y-O-Y (%) 22-23 23-24 Y
Slide 21: Non Interest Income
Non Interest Income Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Growth Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-23 Dec-23 Mar-24 Q-O-Q (%) Y-O-Y (%) 22-23 23-24 Y
Slide 22: Operating Expenses
Operating Expenses Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Variation Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-23 Dec-23 Mar-24 Q-O-Q (%) Y-O-Y (%) 22-23 23-24
Slide 23: Provision Details
Provision Details Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Financial Year Sl. Particulars ( ₹ in Cr.) Mar-23 Dec-23 Mar-24 22-23 23-24 1 NPA 408 116 227 1296 1068 2 NPI & O
Slide 24: Key Financial Indicators
Key Financial Indicators Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Financial Year P articulars M ar-23 Dec-23 M ar-24 22-23 23-24 Cost of Deposits (%) 4.36% 4.91% 4.82% 4.06
Slide 25: Key Financial Indicators (Qtr.)
Key Financial Indicators (Qtr.) Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Yield on Advance Global (%) Yield on Advance Domestic (%) Yield on Funds (%) 8.72 9.06 7.79 7.94 8.11 8.24 8.38 8
Slide 26: Efficiency Ratio (Qtr.)
Efficiency Ratio (Qtr.) Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services NIM Domestic ( %) NIM Global ( %) 3.03 3.24 2.99 3.18 3.08 2.90 3.03 3.05 3.02 2.86 2.97 2.84 2.84 2.84 Sep-22 Dec-22 Mar
Slide 27: Productivity Ratio
Productivity Ratio Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Business Per Branch ( ₹ in Cr.) Business Per Employee ( ₹ in Cr.) 20 21 139 18 19 19 19 135 17 129 130 128 126 121 Sep-22 Dec-
Slide 28: Balance Sheet
Balance Sheet Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services CAPITAL & LIABILITIES (₹ in Cr.) 31.03.2023 31.12.2023 31.03.2024 Capital 11956 11956 11956 Reserves & Surplus 13809 15026 15401 De
Slide 29: Asset Quality
Asset Quality Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Gross NPA Net NPA ₹ in (Cr) Net NPA (%) Gross NPA % 10237 9740 7.89 9359 7.42 8506 6.58 7726 7355 6939 6905 5.63 6463 4.78 4.48 4.1
Slide 30: Asset Quality
Asset Quality Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ₹ in (Cr) Asset Classification Item M ar-23 Dec-23 M ar-24 ₹ in (Cr) Gross NPA (₹ in Cr.) 7726 6905 6463 Net NPA ₹ in (₹ in Cr.) 20
Slide 31: Movement of NPA
Movement of NPA Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Year Ended Fresh Addition Quarter Ended Sl. Item (₹ in Cr) Mar-23 Dec-23 Mar-24 Mar-23 Mar-24 (₹ in Cr) Mar-23 Dec-
Slide 32: Segment NPA
Segment NPA Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ₹ in (Cr) Sl. Sector 31.03.2023 31.12.2023 31.03.2024 % to respective % to respective % to respective No Gross Advances Gross NPA Gro
Slide 33: SMA Advances (1 Cr & above)
SMA Advances (1 Cr & above) Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ₹ in (Cr) SMA Position of the Bank (1 cr and above) Mar-23 Dec-23 Mar-24 Parameters B/o (in Crs) % to Gross Advances
Slide 34: Restructured Advances
Restructured Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ₹ in (Cr) Restructured Standard Advance Out of Restructured Standard Advances COVID Restructuring (RF1 & RF 2) Parameters M
Slide 35: NCLT & NARCL
NCLT & NARCL Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Mar-2024 (₹ Cr.) 1st List 2nd List Others Total Exposure to number of accounts referred under IBC 9 16 204 229 Loan Outstanding 1410
Slide 36: Capital Adequacy
Capital Adequacy Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services CET-I Tier- I Tier- II CRAR 16.51 16.01 16.98 Particulars (₹ in Cr) Mar-23 Dec-23 Mar-24 2.55 2.48 2.44 Credit RWA 85883 95876 9
Slide 37: Share Holding & Ratings
Share Holding & Ratings Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Share Holding Pattern 31.03.2024 Basel III S.N Rating Agency AT-I Bonds Tier-II Bonds Others, Rating Rating 3.26 1 India
Slide 38: Our Presence
Our Presence Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Domestic Overseas Branches ATM BCs Branches 2+1 3230 Rep. off. 2477 9808 South, 340 10.53% Central, 535 Urban, 632 Metro, 604 16.56%
Slide 39: Expanding Footprints
Expanding Footprints Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Total No. of Domestic Branches 3230 20 181 175 11 57 100 3 62 7 243 300 147 8 8 241 15 Employee Profile 78 30 3 10.48% 392 1
Slide 40: Associate
Associate Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Paschim Banga Gramin Bank As on 31.03.2024 (Unaudited) Amount (₹ in Cr) Quarter Ended Q-o-Q Y-o-Y Financial Year Y-o-Y Particulars M ar
Slide 41: Digital Offerings
Digital Offerings Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Pre Digital Retail Products Approved Personal Loan Account Information Top-up Gold Pension Loan & Loan Gold Reward Points Reple
Slide 42: Digital Offerings
Digital Offerings Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Customer •Corporate M-Banking Centric UI/UX Insta A/c Insta Opening Deposit •Corporate E-Banking E-Commerce Insta Market Place
Slide 43: Digital Offerings
Digital Offerings Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Conversational Hi, I'm UMA. your personal UPI assistant to solve your queries regarding UCO Bank. You can click from the option
Slide 44: Digital Performance
Digital Performance Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Debit Cards (In Lakhs) Internet Banking (In Lakhs) 3.20% 8.82% 16.28 15.96 129 128 14.96 125 Mar-23 Dec-23 Mar-24 Mar-23 Dec-
Slide 45: Digital Transactions
Digital Transactions Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Mobile Banking No of Transactions (In Lakhs) excluding Corporate Mobile Banking Transactions (In Lakhs) IMPS Transactions 80
Slide 46: New Digital Initiatives
New Digital Initiatives Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services • TAB Banking Facility in • UPI Global – • Revamped Call Center 1606 branches with Implementation of Sri with AI based IV
Slide 47: Social Media Presence
Social Media Presence Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services @UCOBankOfficial 47,800 @official.ucobank @uco-bank 23.500 24,400 @official.ucobank @ucobank 55,000 38,000 @uco-bank 20,436
Slide 48: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ENVIRONMENT Planted more than 21,000 trees across the country Minimized the use of one-time plastic at Administrative Offices Rs.
Slide 49: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Contributed to Bihar Agriculture University, Sabour, for purchase of e-rickshaws to assist differently-abled individuals SOCIAL Co
Slide 50: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Advanced Cyber Security Operations Centre (CSOC) equipped with advanced tools for robust threat interception GOVERNANCE Enterprise
Slide 51: Product & Services
Product & Services Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services िव ीय प रणाम: िव ीय वष 2023-24 Page 50
Slide 52: Highlights
Highlights Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services MoU signed with MoU signed with WDRA to embark on UCO Bank is now live UPNEDA for a journey to boost on Maruti Suzuki promoting PM Sur
Slide 53: Disclaimer
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 facto
Slide 54: Thank you
Thank you