UCO Bank · NSE:UCOBANK
UCO Bank — Q3 FY2024-25 Earnings Presentation
53 slides from UCO Bank's earnings presentation, January 2025
Slide 1: Financial Results: December Q3 (FY 2024-25)
यक ू ो बैंक UCO BANK वित्तीय परिणाम: दिसम्बि तिमाही (वित्तीय िर्ष २०२४-२५) Financial Results: December Q3 (FY 2024-25) Connect with us @ official.ucobank:
Slide 2: Contents
Contents Major Highlights 3-5 Business Performance 6-19 Financials 20-29 Asset Quality 30-36 Capital & Shareholding 37-38 Business Network 39-41 Digital Journey 42-47 ESG Initiative 48-50 Products & Services 51 Page 2
Slide 3: Major Economic Highlights
Major Economic Highlights Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services • The Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) has kept the repo rate unchanged GDP Projectio
Slide 4: Major Highlights (Q3 FY 2024-25)
Major Highlights (Q3 FY 2024-25) Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Business Deposit Savings Current (Domestic) (Domestic) ₹488911 Cr. ₹280256 Cr. ₹88502 Cr. ₹12028 Cr. 12.28% (Y-Y
Slide 5: Performance vs Guidance
Performance vs Guidance Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Parameters (Y-o-Y) Guidance for Mar-25 Actual for Dec-24 Qtr Deposit Growth 8-10% 9.36% CASA Growth 8-10% 8.24% Credit Gr
Slide 6: Total Business
Total Business Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Business 488911 473704 461408 Business Mix (₹ in Cr) Dec-23 Sep-24 Dec-24 Q-Q (%) Y-Y (%) 435456 450007 Global Business 435456 473
Slide 7: Global Deposits
Global Deposits Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Savings Current 88447 88502 83313 Growth (%) Particulars (₹ in Cr) Dec-23 Sep-24 Dec-24 Q-Q Y-Y 9566 124… 12028 1. Domestic Depos
Slide 8: 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-23 Sep-24 Dec-24 37.77% 37.64% (%) (%) 39.22% 1. Domestic Advances 154204 173866 183360 5.46 18.91 Co
Slide 9: Retail Mix
Retail Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Dec-24 Growth Growth Particulars (₹ in Cr) Dec-23 Sep-24 Dec-24 (Q-Q) % (Y-Y) % Home Loan 22314 25421 26631 4.76 19.35 35% Vehicle Loa
Slide 10: Agriculture
Agriculture Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Agriculture (₹ in Cr) Dec-23 Sep-24 Dec-24 Q-o-Q (%) Y-o-Y (%) 1.Farm Credit (Crop, Investment & Allied) 20108 23631 24388 3.20 21.29
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 TOTAL MICRO SMALL MEDIUM 36,262 Cr Q-Q 6.11% Y-Y 12.75% 13,487 Cr 714 Cr 22.061 Cr (37.19%) (1.97%) (60.84%) 36,262 Cr 13,145
Slide 12: MSME Portfolio Mix
MSME Portfolio Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services PMMY (₹ in Cr.) Dec-24 Qtr GECL (₹ in Cr.) Upto Dec-24 Qtr Amount Sanctioned 3410 Amount Disbursed 3187 Amount Sanctioned 3153
Slide 13: 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% 64562 83234 50.86%
Slide 14: 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) DEC 2024 Qtr 58.76 20.28 % 16.73 % 25.92 16.15% 12.01 ➢ Sta
Slide 15: Sectoral Credit-Advances (Dom.)
Sectoral Credit-Advances (Dom.) Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services % share to Dom. % share to Dom. % share to Dom. Sector (₹ in Cr.) 31.12.2023 30.09.2024 31.12.2024 Advances Advan
Slide 16: 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.) 31.12.2023 30.09.2024 31.12.2024 % % % Domestic Overseas Global Domestic Overseas Global Domestic
Slide 17: 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 Advances(Dom) Mix of Benchmark Rate Rating Grade (₹ in Cr) Dec-23 % Share Sep-24 % Share Dec-24 % Share 0.0
Slide 18: 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-23 Sep-24 Dec-24 1 Domestic Investment 94840 91715 91554 a SLR 67365 67186 66911 SLR as % to Do
Slide 19: Non SLR Investment
Non SLR Investment Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Dec-23 Sep-24 Dec-24 Sl. Parameters (₹ in Cr) O/S % Share O/S % Share O/S % Share 1 PSU Bonds 575 2.09 498 2.21 598 2.43 2 Cor
Slide 20: Profitability
Profitability Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Growth 9-months ended Growth FY Sl. Parameters ( ₹ in Cr.) Dec-23 Sep-24 Dec-24 Q-O-Q (%) Y-O-Y (%) Dec-23 Dec-24 Y-O
Slide 21: 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 9-months ended Growth FY Sl. Particulars ( ₹ in Cr.) Dec-23 Sep-24 Dec-24 Q-O-Q (%) Y-O-Y (%) Dec-23 Dec
Slide 22: 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 9-months Ended Growth FY Sl. Particulars ( ₹ in Cr.) Dec-23 Sep-24 Dec-24 Q-O-Q (%) Y-O-Y (%) Dec-23 Dec
Slide 23: Operating Expenses
Operating Expenses Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Quarter Ended Variation 9-months Ended Growth FY Sl. Particulars ( ₹ in Cr.) Dec-23 Sep-24 Dec-24 Q-O-Q (%) Y-O-Y (%) Dec-23 D
Slide 24: 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 FY Sl. Particulars ( ₹ in Cr.) Dec-23 Sep-24 Dec-24 Dec-23 Dec-24 23-24 1 NPA 116 609 263 841 1268
Slide 25: 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 FY Particulars Dec-23 Sep-24 Dec-24 Dec-23 Dec-24 23-24 Cost of Deposits (% ) 4.91% 4.88% 4
Slide 26: 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 (%) 9.06 9.06 8.72 8.26 8.28 8.70 8.65 8
Slide 27: 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 ( %) 3.17 3.38 3.09 3.10 3.29 3.30 3.03 3.24 2.84 2.84 3.05 3.02 Sep-23 Dec-23 Mar-24 Jun-24
Slide 28: 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.) 22 22 23 20 21 150 19 146 143 139 135 130 Sep-23 Dec-23 Mar-
Slide 29: 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.) 31.12.2023 30.09.2024 31.12.2024 Capital 11956 11956 11956 Reserves & Surplus 15026 16190 16679 De
Slide 30: 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 % 6939 6905 4.14 6463 6420 6294 3.85 6082 3.46 3.32 3.18 2.91 1802 1700 1622 1.11
Slide 31: Asset Quality
Asset Quality Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Asset Classification ₹ in (Cr) Quarter Ended 9-months ended ₹ in (Cr) Item Dec-23 Sep-24 Dec-24 Dec-23 Dec-24 Gross NPA (₹ in Cr.)
Slide 32: Movement of NPA
Movement of NPA Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services 9-months Quarter Ended FY Sector-wise Fresh Addition to NPA Sl. Item (₹ in Cr) ended Dec-23 Sep-24 Dec-24 Dec-24 Mar-24 1 Opening
Slide 33: Segment NPA
Segment NPA Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ₹ in (Cr) 31.12.2023 30.09.2024 31.12.2024 % to % to % to Sl No. Sector Gross Advances Gross NPA respective Gross Advances Gross NPA
Slide 34: 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-23 Sep-24 Dec-24 Parameters B/o (in Crs) % to Gross Advances
Slide 35: 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 D
Slide 36: NCLT & NARCL
NCLT & NARCL Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Dec-2024 (₹ Cr.) 1st List 2nd List Others Total Ex posure to number of accounts referred under IBC 9 16 222 247 Loan Outstanding 140
Slide 37: Capital Adequacy
Capital Adequacy Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Particulars (₹ in Cr) Dec-23 Sep-24 Dec-24 CET-I Tier- I Tier- II CRAR 16.01 16.84 16.25 Credit RWA 95876 111823 117069 Market R
Slide 38: 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 31.12.2024 IMPROVED BOND RATING Others, 3.26 Basel III DIIs, 1.33 S.N Rating Agency AT-I Bonds Tier
Slide 39: 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 3263 Rep. off. 2478 10653 South, 351, 11% Central, 542, 17% Urban, 640, 20% Metro, 6
Slide 40: 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 3263 23 182 175 11 57 101 4 62 7 243 306 147 8 8 242 15 Employee Profile 81 30 3 10.48% 394 1
Slide 41: Associate
Associate Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Paschim Banga Gramin Bank Amount in Cr Quarter Ended FY Particulars Jun-24 Sep-24 Dec-24 22-23 23-24 Business 11117 11295 11552 10318 1
Slide 42: Digital Performance & Transactions
Digital Performance & Transactions Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Active M-Banking Users-Retail (L) Active M-Banking Users–Corp. (L) Internet Banking Users (L) 97.74% 81.97% 10
Slide 43: Digital Transformation
Digital Transformation Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services 25+ digital journeys planned for improved customer experience with innovative products & personalized offerings. 80+ Finte
Slide 44: Digital Journeys
Digital Journeys Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services 10+ Digital Journeys Live and, several more coming soon Strong digital business momentum Retail MSME YoY Growth in 3x Pre-Qualif
Slide 45: Digital Channels- Mobile & Internet Banking
Digital Channels- Mobile & Internet Banking Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services 10+ features introduced on Mobile & Internet Banking NRE RD Account Opening through AePS Enable/Disab
Slide 46: Digital Offerings
Digital Offerings Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Exciting Introduction of Shopping Positive Discounts on Pay feature on Plutos using WhatsApp UCO Debit Card Exciting Savings Di
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 @official.ucobank 27,700 @official.ucobank WhatsApp Banking 58,672 Say Hi to 8334001234 @uco-bank @UCOBankOfficial 26,200 4
Slide 48: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Obtained GREEN CERTIFICATE from CESC for purchasing 25% of renewable UCO EV Loan Scheme- Rs. 62 Crore energy from total consumptio
Slide 49: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services More than 50408 & 596432 persons were educated through FLCs & Banks’s Donated 1418 units of blood through Sponsored CFL respective
Slide 50: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Enterprise Fraud Risk Management Business Continuity Plan for prevention solution for prevention of unauthorised and recovery from
Slide 51: Product & Services
Product & Services Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services वित्तीय परिणाम: दिसम्बि तिमाही (वित्तीय िर्ष २०२४-२५) Page 51
Slide 52: 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 53: Thank you
Thank you