Uco Bank · NSE:UCOBANK
Uco Bank — Q3 FY2023-24 Earnings Presentation
50 slides from Uco Bank's earnings presentation, Jan 24, 2024
Slide 1: Cover letter to stock exchanges
यूको बैंक UCO BANK सम्मान आपके विश्वास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/203/2023-24 Date: 24.01.2024 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/
Slide 2: Financial Results: December 2023 (Q3 FY 2023-24)
UCO BANK यूको बक िव ीय प रणाम: िदसंबर ितमाही (िव ीय वष 2023-24) Financial Results: December 2023 (Q3 FY 2023-24) Connect with us @ official.ucobank:
Slide 3: Contents
Contents Highlights: Dec Q3 ( FY 2023-24) 3 Business Performance 4-16 Financials 17-26 Asset Quality 27-33 Capital & Shareholding 34-35 Business Network 36-38 Digital Journey 39-45 ESG Initiative 46 Products & Services 47 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) ₹435456 Cr. ₹256261 Cr. 69.93% ₹83313 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) Dec-22 Sep-23 Dec-23 Q-Q (%) Y-O-Y (%) Global Business 394229 417145 435456 4.39 10.46 Domestic 364985 3869
Slide 6: Global Deposits
Global Deposits Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Growth (%) Savings Current Particulars (₹ in Cr) Dec-22 Sep-23 Dec-23 Q-Q Y-Y 79876 83254 83313 1. Domestic Deposits 235048 24395
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) Dec-22 Sep-23 Dec-23 (%) (%) 1. Domestic 37.01% 129937 142953 154204 7.87 18.68 38.72% 39.21% Advances Co
Slide 8: Retail Mix
Retail Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Growth Dec-23 Particulars Growth Dec-22 Sep-23 Dec-23 (Q-Q) % (₹ in Cr) (Y-Y) % Home Loan Vehicle Loan 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) Dec-22 Sep-23 Dec-23 (%) (%) 1. Farm Credit 17389 20033 20108 0.37 15.64 (Crop, Investment & Allied
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 Performance under PMMY TOTAL MSME ₹ in Cr. 9M FY-23 26625 30699 32160 Amount Sanctioned 3316 20607 Micro Amount Disbursed 3280
Slide 11: Priority Sector Advances
Priority Sector Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Mandatory Segment (₹ in Cr) RBI Benchmark (%) Achievement Achievement (%) Target Priority Sector 40% 56911 74734 52.53 A
Slide 12: 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) 27.55 % 39.94% State Level Bankers Committee 33.12 % 49.
Slide 13: 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 % share to % share to Sector (₹ in Cr.) Total Total Total 31.12.2022 30.09.2023 31.12.2023 Advances Advances
Slide 14: 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.) 31.12.2022 % 30.09.2023 % 31.12.2023 % NBFC - PSUs 3700 19.81 5550 24.91 6050 24.12 NBFC - HFCs 6
Slide 15: 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) Dec-22 % Share Sep-23 % Share Dec-23 % Share Advance Mix of Benchmark Rate 0.06% 0.0
Slide 16: 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) Dec-22 Sep-23 Dec-23 1 Domestic Investment 97918 94691 94840 a SLR 69120 67628 67365 SLR as % to Do
Slide 17: Non SLR Investment
Non SLR Investment Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Dec-22 Sep-23 Dec-23 Sl. Parameters (₹ in Cr) O/S % Share O/S % Share O/S % Share 1 PSU Bonds 639 2.22 575 2.12 575 2.09 Corpo
Slide 18: Profitability
Profitability Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Year Quarter Ended Growth 9 months ended Growth Ended Sl. Parameters ( ₹ in Cr.) Dec-22 Sep-23 Dec-23 Q-O-Q (%) Y-O-Y (%) Dec-22 De
Slide 19: Net Interest Income
Net Interest Income Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Growth Year Quarter Ended Growth 9 months ended Ended Sl. Particulars ( ₹ in Cr.) Dec-22 Sep-23 Dec-23 Q-O-Q (%) Y-O-Y (%) De
Slide 20: Non Interest Income
Non Interest Income Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Year Quarter Ended Growth 9 months ended Growth Ended Sl. Particulars ( ₹ in Cr.) Dec-22 Sep-23 Dec-23 Q-O-Q Y-O-Y (%) Dec-22
Slide 21: Operating Expenses
Operating Expenses Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Year Quarter Ended Variation 9 months ended Growth Ended Sl. Particulars ( ₹ in Cr.) Dec-22 Sep-23 Dec-23 Y-O-Y (%) Q-O-Q (%)
Slide 22: Provision Details
Provision Details Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended 9 Months ended Year Ended Sl. Particulars ( ₹ in Cr.) Dec-22 Sep-23 Dec-23 Dec-22 Dec-23 FY 22-23 1. NPA 220 336
Slide 23: 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 9 Months ended Year Ended Particulars Dec-22 Sep-23 Dec-23 Dec-22 Dec-23 FY 22-23 Cost of Deposits (%) 4.1
Slide 24: 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 (%) 8.80 8.81 8.63 8.38 8.48 8.44 7.94 8
Slide 25: 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 ( %) 3.18 2.99 3.08 3.05 3.03 3.02 2.90 2.97 2.86 2.84 2.84 2.84 Sep-22 Dec-22 Mar-23 Jun-23
Slide 26: 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.) 20 135 19 19 19 129 130 128 18 126 121 17 Sep-22 Dec-22 Mar-
Slide 27: 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.) 31.12.2022 30.09.2023 31.12.2023 Capital 11956 11956 11956 Reserves & Surplus 13199 14465 15026 De
Slide 28: 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 9359 7.89 8506 7.42 7726 7355 6.58 6939 6905 5.63 4.78 4.48 4.14 3.8
Slide 29: 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 Dec-22 Sep-23 Dec-23 ₹ in (Cr) Gross NPA (₹ in Cr.) 8506 6939 6905 Item Dec-22 % Sep-23 % Dec-2
Slide 30: Movement of NPA
Movement of NPA Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Year Quarter Ended Quarter Ended Sl. Item (₹ in Cr) Ended Fresh Addition Mar-23 Dec-22 Sep-23 Dec-23 (₹ in Cr) Dec-22 Sep-23 Dec-
Slide 31: 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 31.12.2022 30.09.2023 31.12.2023 % to % to % to Gross Gross Gross Gross Gross Gross No respective respective res
Slide 32: 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) Dec-22 Sep-23 Dec-23 Parameters % to Gross % to Gross % to Gross
Slide 33: Restructured Advances
Restructured Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ₹ in (Cr) Out of Restructured Standard Advances Restructured Standard Advance COVID Restructuring (RF1 & RF 2) Parameters D
Slide 34: NCLT & NARCL
NCLT & NARCL Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Dec-2023 (₹ Cr.) 1st List 2nd List Others Total Exposure to number of accounts referred under IBC 9 16 199 224 Loan Outstanding 1410
Slide 35: 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 14.32 16.83 16.01 Particulars Dec-22 Sep-23 Dec-23 Credit RWA 82262 87901 95876 2.75 2.64 2.48 Market RWA
Slide 36: 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 31.12.2023 Basel III S.N Rating Agency AT-I Bonds Tier-II Bonds Others, Rating Rating 3.27 1 India
Slide 37: 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 3217 Rep. off. 2475 9146 South, 337 Central, 533 10.48% 16.57% Rural, 1119 Metro, 60
Slide 38: 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 3217 20 181 175 11 57 100 3 62 7 243 298 148 8 240 8 15 78 30 3 10.48% 388 116 174 16.59% 60
Slide 39: 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 31.12.2023 (Audited) Amount (₹ in Cr) Dec-22 Sep-23 Dec-23 Q-o-Q Y-o-Y 9M 9M Y-o-Y FY Particulars Qtr.
Slide 40: 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 41: 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 42: 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) 5.79% 8.35% 15.96 127 128 15.42 121 14.73 Dec-23 Sep-23 Dec-23 Dec-22 Sep-
Slide 43: 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 18
Slide 44: 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 • Meri Account Meri • Choice of Preferred 830 branches with features Pehchaan- Choice of Accoun
Slide 45: Cyber Security Overview, Achievements & Recent Developments
Cyber Security Overview, Achievements & Recent Developments Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services 24*7monitoring 24*7 monitoring ISO ISO 27001:2013 27001:2013 Cyber Security atCyber a
Slide 46: Social Media Presence
Social Media Presence Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services @UCOBankOfficial 47,000 @official.ucobank @uco-bank 22,200 23,300 @official.ucobank @ucobank 53,000 37,500 @uco-bank 20,000
Slide 47: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Environmental Social Governance In pursuit of sustainability, Bank has As a part of CSR, Bank contributed to set up Bank has
Slide 48: 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: िदसंबर ितमाही (िव ीय वष 2023-24) Page 47
Slide 49: 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 50: Thank you
Thank you