Uco Bank · NSE:UCOBANK
Uco Bank — Q2 FY2024-25 Earnings Presentation
54 slides from Uco Bank's earnings presentation, Oct 19, 2024
Slide 1: UCO Bank filing letter to exchanges
यूको बैंक UCO BANK सम्मान आपके विश्वास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/218/2024-25 Date: 19.10.2024 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/
Slide 2: Financial Results: September Q2/HY (FY 2024-25)
यक ू ो बक UCO BANK व ीय प रणाम: सत बर तमाह /छ:माह ( व ीय वष २०२४-२५) Financial Results: September Q2/HY (FY 2024-25) Connect with us @ official.ucobank:
Slide 3: Contents
Contents Major Highlights 3-4 Business Performance 5-18 Financials 19-28 Asset Quality 29-35 Capital & Shareholding 36-37 Business Network 38-40 Digital Journey 41-46 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 GDP Projection 2025 (IMF) • The Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) has kept the repo ra
Slide 5: 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 (Domestic) (Domestic) ₹473704 Cr. ₹275777 Cr. ₹88447 Cr. ₹12486 Cr. 13.56% (Y-Y) 10.57% (Y-Y) 6
Slide 6: 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) Sep-23 Jun-24 Sep-24 Q-Q (%) Y-Y (%) Business 473704 461408 Global Business 417145 461408 473704 2.66 13.56
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 83254 86290 88447 Growth (%) Particulars (₹ in Cr) Sep-23 Jun-24 Sep-24 10121 12074 12486 Q-Q Y-Y 1. Domestic Dep
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 37.01% 38.78% 37.77% ₹ in (Cr) Sep-23 Jun-24 Sep-24 (%) (%) Corporate 1. Domestic Advances 142953 166597 173866 4.3
Slide 9: Retail Mix
Retail Mix Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Sep-24 Home Loan Vehicle Loan Particulars Growth Growth Personal Loan Others Sep-23 Jun-24 Sep-24 (₹ in Cr) (Q-Q) % (Y-Y) % Home Loan
Slide 10: Agriculture
Agriculture Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Agriculture (₹ in Cr) Sep-23 Jun-24 Sep-24 Q-o-Q (%) Y-o-Y (%) 1.Farm Credit (Crop, Investment & Allied) 20033 22871 23631 3.32 17.96
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 34,174 Cr Q-Q 3.40% Y-Y 11.32% 13,145 Cr 755 Cr 20,274 Cr (38.54%) (2.25%) (59.21%) 34,174 Cr 11,571
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 GECL (₹ in Cr.) Upto Sep-24 Qtr Amount Sanctioned 3153 PMMY (₹ in Cr.) Sep-24 Qtr Amount Disbursed 3128 Amount Sanctioned 2132
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% 61230 80425 52.54%
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) SEP 2024 Qtr 21.90 % 46.08 20.98% 14.83 11.65 37.80 12.09 %
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.) 30.09.2023 30.06.2024 30.09.2024 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.) 30.09.2023 30.06.2024 30.09.2024 % % % 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 Rating Grade (₹ in Cr) Sep-23 % Share Jun-24 % Share Sep-24 % Share Advances(Dom) Mix of Benchmark Rate 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) Sep-23 Jun-24 Sep-24 1 Domestic Investment 94691 92099 91715 a SLR 67628 67557 67186 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 Sep-23 Jun-24 Sep-24 Sl. Parameters (₹ in Cr) O/S % Share O/S % Share O/S % Share 1 PSU Bonds 585 2.16 543 2.21 498 2.03 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 Half-year Ended Growth FY Sl. Parameters ( ₹ in Cr.) Sep-23 Jun-24 Sep-24 Q-O-Q (%) Y-O-Y (%) Sep-23 Sep-24 Y-
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 Half-year Ended Growth FY Sl. Particulars ( ₹ in Cr.) Sep-23 Jun-24 Sep-24 Q-O-Q (%) Y-O-Y (%) Sep-23 Se
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 Half-year Ended Growth FY Sl. Particulars ( ₹ in Cr.) Sep-23 Jun-24 Sep-24 Q-O-Q (%) Y-O-Y (%) Sep-23 Se
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 Half-year Ended Growth FY Sl. Particulars ( ₹ in Cr.) Sep-23 Jun-24 Sep-24 Q-O-Q (%) Y-O-Y (%) Sep-23
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 Half-year Ended FY Sl. Particulars ( ₹ in Cr.) Sep-23 Jun-24 Sep-24 Sep-23 Sep-24 23-24 1 NPA 336 396 609 725 100
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 Half-year Ended FY Particulars Sep-23 Jun-24 Sep-24 Sep-23 Sep-24 23-24 Cost of Deposits (% ) 4.77% 4.79%
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 8.26 8.72 8.18 8.65 8.96 8.11 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 ( %) 3.29 3.30 3.10 3.24 3.09 3.03 3.03 3.05 3.02 2.86 2.84 2.84 Jun-23 Sep-23 Dec-23 Mar-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 22 146 143 21 139 20 135 130 19 19 129 Jun-23 Sep-23 Dec-
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.) 30.09.2023 30.06.2024 30.09.2024 Capital 11956 11956 11956 Reserves & Surplus 14465 15260 16190 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 % 7355 4.48 6939 6905 4.14 6463 6420 6294 3.85 3.46 3.32 3.18 1877 1802 1700 1.18
Slide 31: 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 Sep-23 Jun-24 Sep-24 ₹ in (Cr) Gross NPA (₹ in Cr.) 6939 6420 6294 Net NPA ₹ in (₹ in Cr.) 1802
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 FY Sector-wise Fresh Addition to NPA Sl. Item (₹ in Cr) Sep-23 Jun-24 Sep-24 Mar-24 1 Opening Balance 7355 6463 642
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 30.09.2023 30.06.2024 30.09.2024 % 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) Sep-23 Jun-24 Sep-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 S
Slide 36: NCLT & NARCL
NCLT & NARCL Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services st nd Sep-2024 (₹ Cr.) 1 List 2 List Others Total Ex posure to number of accounts referred under IBC 9 16 213 238 Loan Outstanding 1
Slide 37: 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 Particulars (₹ in Cr) Sep-23 Jun-24 Sep-24 Credit RWA 87901 106507 111823 CRAR 16.83 17.09 16.84 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 30.09.2024 Basel III S.N Rating Agency AT-I Bonds Tier-II Bonds Rating Rating Others, 3.26 1 India
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 3247 Rep. off. 2472 10203 South, 343 10.56% Central, 538 Urban, 637 Metro, 610 16.57
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 3247 21 182 175 11 57 101 3 62 7 243 303 147 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 Mar-24 Jun-24 22-23 23-24 Business 11055 11117 10318 11055 Deposit
Slide 42: Digital Offerings
Digital Offerings Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services व ीय प रणाम: सत बर तमाह /छ:माह ( व ीय वष २०२४-२५) Page 41
Slide 43: Digital Offerings
Digital Offerings Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Recent Launches by UCO Bank in GFF 2024 UPI Circle (issuer): It allows an UPI user to make payment permission to trusted second
Slide 44: Digital Initiatives
Digital Initiatives Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Introduction of New Digital Lending Journeys Pre-Qualified Personal Loan (PQPL) STP Introduction of New Features in Mbankin
Slide 45: Digital Performance
Digital Performance Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Retail Mobile Banking ( In Lakhs) Corporate Mobile Banking ( In Lakhs) Retail Mobile Active Users(in lakhs) Corporate Mobile
Slide 46: 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) Corporate Mobile Banking Transactions (In Lakhs) 5.48% 52.25% 15.53 27.12 13.10
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 26,120 @official.ucobank WhatsApp Banking 57,230 Say Hi to 8334001234 @uco-bank @UCOBankOfficial 25,090 4
Slide 48: ESG Initiative
ESG Initiative Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Credit facility to Renewable Energy Sector UCO EV Loan Scheme- Rs. 44.44 Crore - Rs. 3382 Crore Rate Concession for purchase of EV
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 64054 & 584806 persons were More than 15.60 lakhs rural women educated through FLCs & Banks’s were benefitted through ov
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 व ीय प रणाम: सत बर तमाह /छ:माह ( व ीय वष 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 Best Performer on Risk 3rd Position in the PRAISE Award 2nd Position in the RAJBHASHA Management under PSB mid-size under PM SVANidhi
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