Uco Bank · NSE:UCOBANK

Uco Bank — FY2019-20 Earnings Presentation

43 slides from Uco Bank's earnings presentation, Jun 29, 2020

  1. Slide 1: Presentation on Audited Financial Results for year ended 31.03.2020

    UCO BANK 3Tn% ^ Honours Your Trust HO/Finance/Share/35/2020-21 Date: 29.06.2020 National Stock Exchange of India Ltd. BSE Limited "Exchange Plaza" Phiroze Jeejeebhoy Towers Plot no. C/1, G Block Dalai Street,Fort, Bandra-Kuria Complex, Bandra (E) Mumbai - 400 001 Mumbai - 400 051 BSE Scrip Code:5325

  2. Slide 2: Annual Results FY 2019-20

    Honours Your Trust Annual Results FY 2019-20 UCO BANK (A Govt. of India Undertaking)

  3. Slide 3: Back in profit after 17 quarters

    UCO BANK “BACK IN AFTER 17 QTR FROM SEP 15 NET PROFIT OF | IN Q4 FY 19-20 =< a

  4. Slide 4: Branch network by state

    Domestic Overseas Total Branches Ladakh 20 Jammu and Kashmir 3086 2 3088 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 29 3 Jharkhand 385 Tripura M

  5. Slide 5: Contents

    Contents Highlights: Q4 FY 2019-20 Business Segment Performance Assets Quality Financials Capital & Shareholding Digitalisation COVID-19 Response www.ucobank.com 1800 274 0123 Follow us on:

  6. Slide 6: Highlights: Q4 FY 2019-20

    Highlights: Q4 FY 2019-20 Honours Your Trust

  7. Slide 7: Highlights Q4 2019-20

    Highlights Q4 2019-20 TOTAL LOANS OPERATING NET BUSINESS PROFIT PROFIT ₹ 308165 Cr. ₹ 114961 Cr. ₹ 1217 Cr. ₹ 17 Cr. 1.96 (Q-O-Q %) 1.02 (Q-O-Q %) 76.18 (Y-O-Y %) NII CRAR CASA NET NPA PCR 11.70 % 85.46 % 5.45 % ₹ 1255 Cr. www.ucobank.com 1800 274 0123 Follow us on:

  8. Slide 8: Performance at a glance-Business

    Performance at a glance-Business ₹ in (Cr) Business Mix Mar-19 Dec-19 Mar-20 Y-O-Y (%) Q-Q (%) (Deposits + Advances) Global Business 317480 302242 308165 -2.93 1.96 Domestic 304017 289872 293665 -3.40 1.31 Overseas 13463 12370 14500 7.70 17.22 Global Deposits 197907 188437 193203 -2.38 2.53 Domestic

  9. Slide 9: Improving Financial Performance

    Improving Financial Performance ₹ in (Cr) www.ucobank.com 1800 274 0123 Follow us on:

  10. Slide 10: Improving Asset Quality

    Improving Asset Quality www.ucobank.com 1800 274 0123 Follow us on:

  11. Slide 11: Performance Highlights

    Performance Highlights 25% 20% 15% www.ucobank.com 1800 274 0123 Follow us on:

  12. Slide 12: Performance Highlights

    Performance Highlights ₹ in (Cr) ₹ in (Cr) 30% 25% ₹ in (Cr) ₹ in (Cr) 20% 15% www.ucobank.com 1800 274 0123 Follow us on:

  13. Slide 13: Performance Highlights

    Performance Highlights ₹ in (Cr) ₹ in (Cr) 25% ₹ in (Cr) 20% 15% www.ucobank.com 1800 274 0123 Follow us on:

  14. Slide 14: Business Segment Performance

    Business Segment Performance Honours Your Trust

  15. Slide 15: Domestic Industry Wise Exposure

    Domestic Industry Wise Exposure ₹ in (Cr) Industry Exposure Particulars Mar-19 Dec-19 Mar-20 (%) Infrastructure 22619 19918 19444 22.59 NBFC 8250 12082 14952 17.37 Basic Metal Products 13281 10574 10296 11.96 Construction 2945 3878 3929 4.56 Food Processing 3790 3662 3916 4.55 2957 Textile 2943 2643

  16. Slide 16: Global Deposits

    Global Deposits ₹ in (Cr) Particulars Mar-19 Dec-19 Mar-20 Saving Deposits 59316 61154 63607 Current Deposits 26243 14101 12085 CASA 85559 75255 75691 Term Deposits 106719 109008 112516 Overseas Deposits 5629 4174 4996 Global Deposits 197907 188437 193203 www.ucobank.com 1800 274 0123 Follow us on:

  17. Slide 17: Priority Sector Advance

    Priority Sector Advance ₹ in (Cr) Y-O-Y Industry Mar-19 Dec-19 Mar-20 % Growth % to ANBC Agriculture 21420 23321 23651 10.42 17.68 Out of which, S&MF 11320 10969 11179 -1.25 8.35 MSME 23416 22438 22600 -3.48 16.89 Out of which, Micro 12963 11190 11745 -9.40 8.78 Housing Loan 8838 9310 9674 9.46 7.23

  18. Slide 18: RAM share in Domestic Advances

    RAM share in Domestic Advances ₹ in (Cr) Retail Advance Agriculture Advance MSME Advance Mar-19 22492 21420 23416 Dec-19 24235 23321 24323 Mar-20 25223 23651 24486 www.ucobank.com 1800 274 0123 Follow us on:

  19. Slide 19: Assets Quality

    Assets Quality Honours Your Trust

  20. Slide 20: Asset Quality-Sequential

    Asset Quality-Sequential ₹ in (Cr) Item Mar-19 Dec-19 Mar-20 Gross NPA 29888 22140 19282 Net NPA 9650 6200 5511 Gross NPA % 25.00 19.45 16.77 Net NPA % 9.72 6.34 5.45 Provision Coverage Ratio % 74.93 83.71 85.46 www.ucobank.com 1800 274 0123 Follow us on:

  21. Slide 21: Movement of NPA

    Movement of NPA ₹ in (Cr) Quarter Ended Year Ended Item Mar-19 Dec-19 Mar-20 Y-Y (%) FY18-19 FY19-20 Y-Y (%) Opening Balance 31122 25665 22140 -28.86 30550 29888 -2.17 Slippages 1633 2078 1493 -8.59 9082 6182 -31.94 Less Recovery + Write off 2349 5312 3628 54.45 7412 15195 105.00 Upgradation 517 291

  22. Slide 22: Asset Quality-NCLT

    Asset Quality-NCLT ₹ in (Cr) 1st List 2nd List Others Total Exposure to number of accounts 2 5 70 77 referred under IBC (as per RBI List) Loan Outstanding as of 204.23 1684.35 4343.97 6232.55 31st March 2020( ₹ Cr.) Total Provisions held upto 204.23 1501.26 3573.81 5279.30 31st March 2020( ₹ Cr.) Fi

  23. Slide 23: Financials

    Financials Honours Your Trust

  24. Slide 24: Balance Sheet

    Balance Sheet ₹ in (Cr) 31.03.2019 31.12.2019 31.03.2020 CAPITAL & LIABILITIES Capital 5423 8623 9918 Share Application Money 3596 - Reserves & Surplus 8371 8591 9291 Deposits 197907 188437 193204 Borrrowings 8324 10523 15695 Other Liabilities & Provisions 6863 7975 7800 Total 230484 224149 235908 A

  25. Slide 25: Operating Revenues

    Operating Revenues ₹ in (Cr) Quarter Ended Year Ended Sl. Parameters Mar-19 Dec-19 Mar-20 Y-O-Y(%) Mar-19 Mar-20 Y-O-Y(%) 1 Interest Income 3782 3771 3742 -1.04 14331 15134 5.61 2 Interest Expenses 2490 2534 2488 -0.08 10019 10042 0.23 3 NII (1-2) 1292 1237 1255 -2.90 4311 5092 18.12 4 Non-Interest

  26. Slide 26: Net Interest Income

    Net Interest Income ₹ in (Cr) Quarter Ended Year Ended Particulars Mar-19 Dec-19 Mar-20 Y-O-Y (%) March-19 Mar-20 Y-O-Y (%) Interest Income 3782 3771 3742 -1.04 14331 15134 5.61 a. From Advances 1886 2054 2012 6.66 7825 8141 4.04 b. From Investments 1548 1486 1506 -2.67 5348 5939 11.05 c. Others 348

  27. Slide 27: Non Interest Income

    Non Interest Income ₹ in (Cr) Quarter Ended Year ended Particulars Mar-19 Dec-19 Mar-20 Y-o-Y(%) March-19 March-20 Y-O-Y (%) a) Treasury Income 89 201 307 243.76 442 1274 188.48 b) Recovery in Written Off 95 438 237 148.49 448 1003 123.73 c) Other Non Interest Income 182 104 226 23.73 624 594 -4.68

  28. Slide 28: Cost & Yield Ratio

    Cost & Yield Ratio ₹ in (Cr) Quarter Ended Year Ended Ratio Analysis Mar-19 Dec-19 Mar-20 March-19 Mar-20 Cost of Deposit (%) 4.87 4.97 4.87 5.07 4.90 Cost of Fund (%) 5.50 5.39 5.16 5.45 5.31 Yield on Advances (%) 9.16 9.19 8.90 9.52 9.20 Yield on Investment (%) 7.65 6.99 6.91 7.18 7.01 Yield on Fu

  29. Slide 29: Provisions

    Provisions ₹ in (Cr) Quarter Ended Year ended Particulars Mar-19 Dec-19 Mar-20 Mar-19 Mar-20 Y-O-Y Operating Profit 691 1211 1217 2760 4836 75.19 Provisions for : NPA 2602 1646 1089 8295 6144 -25.93 Standard Assets 151 -4 -13 -5 -2 -51.26 Provision For Investment 94 297 92 591 530 -10.30 Provision r

  30. Slide 30: Key Financial Indicators

    Key Financial Indicators ₹ in (Cr) Particulars (Qtr.) Mar-19 Dec-19 Mar-20 FY 18-19 FY-19-20 Return on Assets (%) -2.49 -1.52 0.03 -1.84 -0.96 Return on Equity (%) -45.85 -25.90 0.44 -32.30 -15.79 Book Value per Share(₹) 12.82 6.38 7.56 12.82 7.56 Earning Per Share (₹) -3.43 -1.18 0.02 -11.16 -3.10

  31. Slide 31: Investment Portfolio

    Investment Portfolio ₹ in (Cr) ₹ in (Cr) Mar-19 Dec-19 Mar-20 Domestic 80622 82238 89532 Investments Overseas 3054 3335 3383 Investments Total Investments 83676 85573 92915 www.ucobank.com 1800 274 0123 Follow us on:

  32. Slide 32: Performance Under Financial Inclusion

    Performance Under Financial Inclusion ₹ in (Cr) Mar-19 Dec-19 Mar-20 Particulars No. of Accts Amount No. of Accts Amount No. of Accts Amount PMJDY (Lacs) 76.43 2221.30 84.12 2604.78 85.75 2833.98 Zero Balance Accts (Lacs) 15.83 - 16.23 - 15.92 PMSBY (Lacs) 15.17 1.82 18.06 2.16 19.57 2.35 PMJJBY (La

  33. Slide 33: Capital & Shareholding

    Capital & Shareholding Honours Your Trust

  34. Slide 34: Capital Adequacy-Basel-III

    Capital Adequacy-Basel-III ₹ in (Cr) Mar-19 Dec-19 Mar-20 Particulars CET1 Capital 8462 7136 9132 Tier I Capital 8462 7136 9132 Tier II Capital 2016 3029 2769 Total Capital 10477 10165 11901 Risk Weighted Assets 97981 98982 101675 CET1 (%) 8.64 7.21 8.98 Tier I (%) 8.64 7.21 8.98 Tier II (%) 2.06 3.

  35. Slide 35: Share Holding Pattern

    Share Holding Pattern As on 31.03.2020 Share Capital (₹ in Cr.) 9918.34 Net Worth (₹ in Cr.) 6933 Market Cap (₹ in Cr.) 8976.10 No of Equity Shares 991,83,40,622 Details of Shareholding Pattern (%) Mar-20 Govt 94.44 FIIs 0.12 DIIs 2.31 Others 3.13 www.ucobank.com 1800 274 0123 Follow us on:

  36. Slide 36: Digitalization

    Digitalization Honours Your Trust

  37. Slide 37: Digital Platforms

    Digital Platforms New initiatives taken for Technological up gradation of our Bank in 4th Qtr.  Implementation of Door Step Banking for Senior Citizens and Differently abled persons including those who are visually impaired – through e-Banking and UCO Bank’s website.  Loan Tracking System (RLH/SME

  38. Slide 38: Digital Progress

    Digital Progress Growth (%) Digital Channels Mar-19 Dec-19 Mar-20 Y-O-Y Q-O-Q Debit Cards (Lakhs) 6728826 8095859 8422524 25.17 4.03 Internet Banking (Lakhs) 9.95 11.21 11.53 1.58 0.32 Retail 8.78 9.93 10.21 1.43 0.28 Corporate 1.17 1.28 1.32 0.15 0.04 Mobile Banking (Lakhs) 14.39 19.86 20.84 44.82

  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 www.ucobank.com 1800 274 0123 Follow us on:

  40. Slide 40: COVID-19 Response

    COVID-19 Response Honours Your Trust

  41. Slide 41: COVID-19 Response

    COVID-19 Response Essential Service to Customer Employee ₹ 7 Cr. Protection Contribution (Sanitisation, to PM Cares Work From Fund Home) 95.46% Branch & 91.50% ATM Remain ₹1252.16Cr. Open PPE Kit, Financial Food Support to Distribution Customer 21.91% Term loan Customer availed Moratorium Benefit ww

  42. Slide 42: 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

  43. Slide 43: www.ucobank.com Follow us on

    www.ucobank.com 1800 274 0123 Follow us on:

UCO Bank — FY2019-20 Earnings Presentation on 6ix