Uco Bank · NSE:UCOBANK
Uco Bank — FY2025 Earnings Presentation
54 slides from Uco Bank's earnings presentation, Apr 28, 2025
Slide 1: UCO Bank filing cover letter to exchanges
यूको बैंक UCO BANK सम्मान आपके विश्वास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/31/2025-26 Date: 28.04.2025 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/1
Slide 2: Financial Results: FY 2024-25
यक ू ो बैंक UCO BANK वित्तीय परिणाम: वित्तीय िर्ष २०२४-२५ Financial Results: FY 2024-25 Connect with us @ official.ucobank:
Slide 3: Contents
Contents Major Highlights 3-5 Business Performance 6-18 Financials 19-28 Asset Quality 29-35 Capital & Shareholding 36-37 Business Network 38-39 Digital Journey 40-46 ESG Initiative 47-49 Products & Services and Highlights 50-51 Page 2
Slide 4: 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 induced a rate cut of 25 bps to 6.0 World
Slide 5: Major Highlights (FY 2024-25)
Major Highlights (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) ₹513527 Cr. ₹293542 Cr. ₹90380 Cr. ₹14325 Cr. 14.12% (Y-Y) 1
Slide 6: 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 FY 24- Actual for Mar-25 Guidance for FY 25- 25 26 Deposit Growth 8-10% 11.56% 10-12% CAS
Slide 7: Total Business
Total Business Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services 513527 310000 488911 500000 Business Mix (₹ in Cr) Mar-24 Dec-24 Mar-25 Q-Q (%) Y-Y (%) 290000 473704 461408 450007 Global Busines
Slide 8: Global Deposits
Global Deposits Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Savings Current 86029 88502 90380 Growth (%) Particulars (₹ in Cr) Mar-24 Dec-24 Mar-25 Q-Q Y-Y 12091 12028 14325 1. Domestic Dep
Slide 9: Domestic Advances
Domestic Advances Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Retail 24.75% Growth Growth 27.30% 27.76% ₹ in (Cr) Mar-24 Dec-24 Mar-25 (Q-Q) % (Y-Y) % 1. Domestic Advances 162272 183360 195
Slide 10: Retail Mix
Retail Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Mar-25 Particulars Growth Growth Mar-24 Dec-24 Mar-25 (₹ in Cr) (Q-Q) % (Y-Y) % 23% Home Loan 23688 26631 27982 5.07 18.13 Vehicle Loa
Slide 11: Agriculture
Agriculture Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Agriculture (₹ in Cr) Mar-24 Dec-24 Mar-25 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 21416 24388 25821 5.88 20.57 2.
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 TOTAL MICRO SMALL MEDIUM 38,783 Cr Q-Q 6.95% Y-Y 18.55% 15,056 Cr 770 Cr 22.957 Cr (38.82%) (1.99%) (59.19%) 38,783 Cr 13,487
Slide 13: MSME Portfolio Mix
MSME Portfolio Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services PM M Y (₹ in Cr.) FY 24-25 GECL (₹ in Cr.) Upto M ar 25 Qtr Amount Sanctioned 4879 Amount Sanctioned 3153 Amount Disbursed (Ta
Slide 14: 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 40.00% 67938 87769 51.6
Slide 15: 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) Mar 2025 Qtr 24.42 % 63.23 28.02 19.75 % 16.02% 12.89 ➢ Sta
Slide 16: 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 Total % share to Total % share to Total Sector (₹ in Cr.) 31.03.2024 31.12.2024 31.03.2025 Advances Ad
Slide 17: 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.) 31.03.2024 31.12.2024 31.03.2025 % % % Domestic Overseas Global Domestic Overseas Global Domestic
Slide 18: 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 Rating Grade (₹ in Cr) Mar-24 % Share Dec-24 % Share Mar-25 % Share 0.03% 0.
Slide 19: 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-24 Dec-24 Mar-25 1 Domestic Investment 92970 91554 91830 a SLR 66418 66912 66470 SLR as % to Do
Slide 20: 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-24 Dec-24 Mar-25 Q-Q (%) Y-Y (%) 23-24 24-25 Y-Y(%) 1 Int
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 Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-24 Dec-24 Mar-25 Q-Q (%) Y-Y (%) 23-24 24-25 Y-Y (
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 Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-24 Dec-24 Mar-25 Q-Q (%) Y-Y (%) 23-24 24-25 Y-Y (
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 Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-24 Dec-24 Mar-25 Q-Q (%) Y-Y (%) 23-24 24-25 Y-Y
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 Financial Year Sl. Particulars ( ₹ in Cr.) M ar-24 Dec-24 M ar-25 23-24 24-25 1 NPA 227 263 364 1068 1633 2 NPI 4
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 Financial Year P articulars M ar-24 Dec-24 M ar-25 23-24 24-25 Cost of Deposits (%) 4.82% 4.87% 4.90% 4.78
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 (%) 8.72 9.06 8.35 9.02 8.26 8.28 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 3.00 3.24 3.22 2.84 3.02 Dec-23 Mar-24 Jun-24 Sep-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.) 24 155 23 150 146 22 22 143 21 139 135 20 Dec-23 Mar-24 Jun-
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.) 31.03.2024 31.12.2024 31.03.2025 Capital 11956 11956 12540 Reserves & Surplus 15401 16679 18465 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 % 6905 6463 6420 6294 3.85 6082 5919 3.46 3.32 3.18 2.91 2.69 1700 1622 1473 1406
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 Item Mar-24 Dec-24 Mar-25 FY 23-24 FY 24-25 ₹ in (Cr) Gross NPA (₹ in Cr.) 6463 6082 5919 6463 5919 Net NPA (₹
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 Quarter Ended Year Ended Sector-wise Fresh Addition to NPA Sl. Item (₹ in Cr) Mar-24 Dec-24 Mar-25 Mar-24 Mar-25 Fresh Addition Q
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) Sl. Sector 31.03.2024 31.12.2024 31.03.2025 % to respective % to respective % to respective No Gross Advances Gross NPA Gro
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) Mar-24 Dec-24 Mar-25 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 Restructured Standard Advance ₹ in (Cr) Out of Restructured Standard Advances Parameters Mar-24 Dec-24 Mar-25 COVID Restruc
Slide 36: NCLT & NARCL
NCLT & NARCL Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services M ar-2025 (₹ Cr.) 1st List 2nd List Others Total Exposure to number of accounts referred under IBC 9 16 229 254 Loan Outstanding 135
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) Mar-24 Dec-24 Mar-25 CET-I Tier- I Tier- II CRAR 16.98 Credit RWA 98459 117069 125521 16.25 18.49 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 31.03.2025 IMPROVED BOND RATING Others Basel III 3.25 DIIs S.N Rating Agency AT-I Bonds Tier-II Bon
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 3302 Rep. off. 2522 10653 South, 358, 11% Central, 551, 17% Urban, 646, 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 3302 23 182 176 11 58 101 4 62 7 245 310 147 8 8 242 15 Employee Profile 81 30 3 10.48% 398 1
Slide 41: Project Parivartan-Digital Journeys
Project Parivartan-Digital Journeys Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services 16 Digital Journeys Live and 11 more journeys coming soon… Retail MSME Agri Pre Qualified Personal Loan KCC R
Slide 42: Increasing Digital Adoption
Increasing Digital Adoption Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Product Mar'24 Dec'24 Mar'25 YoY Growth in 4x Digital Advances SB A/c opened digitally (inc. 5% 23% 27% TAB) YoY grow
Slide 43: 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 (Lakhs) Active M-Banking Users–Corp. (Lakhs) Internet Banking Users (Lakhs) 97.7
Slide 44: New Initiatives in Digital Channels
New Initiatives in Digital Channels Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Best rated PSB Mobile Banking Internet Banking Mobile Banking One Tap FD-RD Journey Internet banking access m
Slide 45: Enhancements in IT Infrastructure
Enhancements in IT Infrastructure Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Akash Ganga Virtual Machine (VM) Infrastructure Rollout 1 5 2 Driving Application Excellence; Tab Banking Expan
Slide 46: Awards and Recognitions
Awards and Recognitions Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services IBA Annual Banking Technology IBEX Awards Awards ❑ Fintech and DPI Adoption ❑ Outstanding Use of ❑ IT Risk and Emerging T
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 28,900 @official.ucobank WhatsApp Banking 59,946 Say Hi to 8334001234 @uco-bank @UCOBankOfficial 27,100 5
Slide 48: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Planted over 23000 trees all over India Partnership for Carbon Accounting Financials (PCAF) for financed carbon emission calculati
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 53754 & 564927 persons were educated via FLCs & CFLs, respectively, in Mar 2025 Qtr More than 8134 persons were trained
Slide 50: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Board approved ESG Policy in place for sustainable growth Diverse and Professional Board composition, enhancing Corporate Governan
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: वित्तीय िर्ष २०२४-२५ 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 PSB Alliance to provide UCO Bank won 1st prize at the Regional seamless Supply Chain Finance (SCF) Official Language C
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