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UCO BANK
Qtly. Results December 22
(A Govt. of India Undertaking)
UCO BANK
Sets New Milestones
Highest
Business
₹ 394229 Cr.
Highest
Deposit
₹ 243170 Cr.
Highest (NII)
in a Qtr.
₹ 1952 Cr.
Highest
Net Profit
in a Qtr.
₹ 653 Cr.
Contents
Highlights: December 2022
Business segment Performance
Asset Quality
Financials
Capital & Shareholding
Digital Journey
East, 946
West, 301
North, 827
South, 321 Central,
516
North East,
209
Rural,
1093
Semi
urban,
832
Urban,
610 Metro,
585
26.67%
(35.03%)
19.55%
3120 2 2415 5661
Domestic
Branches
Overseas
Branches ATM BCs
Our Presence
Highlights December 2022
Total Business
₹ 394229Cr.
14.49% (Y-Y)
Total Advance
₹151059 Cr.
20.35% (Y-Y)
Total Deposit
₹243170Cr.
11.14 % (Y-Y)
Net Profit
Gross NPA CRAR
₹ 653Cr.
110.37% (Y-Y)
5.63% 14.32%
Major Highlights
Financials
1340
1190
1354
Dec-21 Sep-22 Dec-22
Operating Profit (Qtr) ₹ in (Cr)
35
80 102
205
310 312
124
505
653
Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22
Net Profit (Qtr) ₹ in (Cr)
1407 1413 1460
1598
1763 1652 1650
1770
1952
Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22
Net Interest Income (Qtr) ₹ in (Cr)
187 209 229
321
408
458
211
163
136
Dec-21 Sep-22 Dec-22
Non Interest Income(Qtr.)
Fee Income Recovery In Written Off
Treasury Income
₹ in (Cr)
Improving Asset Quality
88.40 88.53
90.02
91.30 91.44 91.96
92.90
93.58
Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22
PCR (%)
3.94 3.85
3.37
2.81 2.70 2.49
1.99 1.66
9.59 9.37 8.98
8.00 7.89 7.42
6.58
5.63
Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22
Net NPA (%) Gross NPA %
684
794
817
191
176 184
Dec-21 Sep-22 Dec-22
Recovery (Qtr.) ₹ in Cr
Cash Recovery + Recovery in Written off A/c
Upgradation
Business Growth
Business Mix
(Deposits + Advances)
Dec-21 Sep-22 Dec-22 Q-Q (%) Y-O-Y (%)
Global Business 344322 377305 394229 4.49 14.49
Domestic 328286 351411 364985 3.86 11.18
Overseas 16036 25894 29244 12.93 82.36
Global Deposits 218803 235149 243170 3.41 11.14
Domestic 214013 228730 235048 2.76 9.83
Overseas 4789 6418 8122 26.54 69.59
Global Advances (Gross ) 125519 142156 151059 6.26 20.35
Domestic 114272 122680 129937 5.92 13.71
Overseas 11247 19476 21122 8.45 87.80
CD Ratio (%) 57.37 60.45 62.12 - -
₹ in (Cr)
Operating Revenues
₹ in (Cr)
Sl. Parameters
Quarter Ended Variation (%) over
Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%)
1 Interest Income 3919 4185 4627 10.57 18.06
2 Interest Expenses 2157 2415 2675 10.76 24.05
3 NII (1-2) 1763 1770 1952 10.30 10.74
4 Non-Interest Income 719 780 823 5.58 14.51
5 Operating Expenses 1141 1360 1421 4.53 24.53
6 Operating Profit (3+4-5) 1340 1190 1354 13.80 1.02
7 Provisions 1030 685 701 2.29 -31.94
8 Net Profit 310 505 653 29.42 110.37
Net Interest Margin
(Global) (%)
3.03 2.84 2.99
Net Interest Margin
(Domestic) (%)
3.14 2.97 3.18
Cost to Income (%) 45.99 53.33 51.22
Net Interest Income
₹ in (Cr)
Particulars
Quarter Ended Variation (%) over
Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%)
Interest Income 3919 4185 4627 10.57 18.06
a. From Advances 2254 2390 2773 16.06 23.04
b. From Investments 1526 1548 1577 1.93 3.38
c. Others 139 248 277 11.60 98.24
Interest Expended 2157 2415 2675 10.76 24.05
a. On Deposits 2067 2243 2421 7.94 17.10
b. On Borrowings 2 91 159 74.57 -
c. Bonds & Others 88 82 96 17.33 9.38
Net Interest Income 1763 1770 1952 10.30 10.74
Cost of Deposit (%) 3.85 3.95 4.12
Cost of Fund (%) 3.31 3.27 3.49
Yield on Advances (%) 7.54 7.17 7.82
Yield on Investment (%) 6.27 6.28 6.31
Yield on Funds (%) 6.74 6.71 7.08
Non Interest Income
₹ in (Cr)
Quarter Ended Variation (%) over
Particulars Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%)
a) Fee Based Income 187 209 229 9.71 22.78
i. Income from Commission & Charges 183 189 214 13.23 16.94
ii. Third Party Product Income 4 20 15 -25.00 275.00
b) Recovery in Written Off 321 408 458 12.41 42.92
c) Treasury Income 211 163 135 -35.55 -16.56
i. Profit on sale of Investments 134 50 44 -66.42 -10.00
ii. Profit on Exchange Transaction 67 52 53 1.99 -20.83
iii. Profit/loss on Revaluation of
Investment
9 58 38 -34.81 312.96
iv. Others 1 3 - -92.82 -76.36
Total (a+b+c) 719 780 823 5.58 14.51
Provisions
Particulars
Quarter Ended Variation (%) over
Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%)
Operating Profit 1340 1190 1354 13.80 1.02
Provisions for :
NPA 565 400 220 -44.99 -61.05
Standard Assets 21 20 33 61.44 55.54
Others (37) (15) 80 -633.33 -316.22
Income Tax (DTA) 481 279 368 31.90 -23.49
Total Provision 1030 685 701 2.29 -31.94
Net Profit /Loss 310 505 653 29.42 110.37
Technical Write off 853 290 694 139.75 -18.62
Return on Assets (%) 0.48 0.68 0.85
Return on Equity (%) 6.25 9.76 12.27
₹ in (Cr)
Business Segment Performance
Global Deposits
₹ in (Cr)
Particulars Dec-21 Sep-22 Dec-22
Growth
Q-Q Y-Y
Saving Deposits 74063 78933 79876 1.20 7.85
Current Deposits 8606 11586 11620 0.29 35.02
CASA 82670 90519 91496 1.08 10.68
Term Deposits 131344 138212 143552 3.86 9.29
Overseas Deposits 4789 6418 8122 26.54 69.59
Global Deposits 218803 235149 243170 3.41 11.14
CASA Domestic (%) 38.63 39.57 38.93 - -
CASA Global (%) 38.11 38.74 37.89
Dec-21,
38.11
Sep-22,
38.74
Dec-22,
37.89
CASA Global (%)
3.79
4.06
Dec-21 Dec-22
Savings A/c (In Cr.)
RAM (Domestic Advance)
₹ in (Cr)
₹ in (Cr) Dec-21 Sep-22 Dec-22
Growth
(Y-Y) %
Domestic Advance 114272 122680 129937 13.71
Of Which
Retail Advance* 28229 31055 32375 14.69%
Agriculture Advance* 18422 20105 20627 11.97
MSME Advance* 24238 25430 26625 9.85
Total RAM 70889 76590 79627 12.33%
RAM % to Gross Advance 62.04% 62.43% 61.28% -
Dec-21,
62.04
Sep-22,
62.43
Dec-22,
61.28
RAM% (Domestic Advance)
* Fig. are Excluding TWO & Investment
Retail Growth
Retail Advance As on Dec 2022
Particulars
Dec-21 Dec-22
Growth
(Y-Y) %
Home Loan 15877 18908 19.09
Car Loan 1815 2166 19.30
Personal Loan 877 1079 23.06
Others 8921 9300 4.49
Total 27491 31453 14.41
60%
7%
3%
30%
Dec-22
Home Loan Car Loan Personal Loan Others
58%
7%
3%
32%
Dec-21
Home Loan Car Loan Personal Loan Others
Priority Sector Advance
Industry Dec-21 Sep-22 Dec-22
% Growth
Y-O-Y % to ANBC
Agriculture 24995 24094 24583 -1.65 19.67
Out of which, S&MF 12724 13247 13638 7.19 10.91
MSME 22016 25627 26775 21.62 21.42
Out of which, Micro 12225 15165 16654 36.23 13.33
Housing Loan 8921 11106 10481 17.49 8.39
Education Loan 831 815 848 2.05 0.68
Others 1277 2144 2388 87.00 1.91
Total Priority Sector
Advances
58040 63786 65075 12.12 52.07
₹ in (Cr)
Financial Inclusion Growth
Dec-21 Sep-22 Dec-22
Particulars
No. of
Accts
Amount No. of Accts Amount
No. of
Accts
Amount
PMJDY (Lacs) 111.56 3903.75 118.83 4898.23 121.39 5070.49
Zero Balance Accts (Lacs) 13.81 - 13.21 - 13.15 -
PMMY Shishu 184612 312.35 1,77,362 294.00 167467 288.32
PMMY Kishor 174781 2408.86 2,02,076 2,912.15 205402 3079.57
PMMY Tarun 24420 1487.14 34,380 2,038.43 36242 2190.13
PMMY Total 383813 4208.35 4,13,818 5,244.58 409111 5558.01
₹ in (Cr)
PMSBY (38.09 Lac)
34.69%(Y-Y)
APY (7.16 Lac)
39.30%(Y-Y)
PMJJBY (17.97 Lac)
33.41%(Y-Y)
Schemes
Investment Portfolio
₹ in (Cr) Dec-21 Sep-22 Dec-22
Domestic
Investments
96240 98320 97918
Overseas
Investments
2035 2414 2708
Total Investments 98275 100734 100626
27847
24503 22653
68384
73817 75265
Dec-21 Sep-22 Dec-22
Domestic Investment
AFS HTM
Govt. sec,
69.67%
Shares,
1.06%
Debentures
& Bond,
27.71%
Subsidiaries
& Joint
Ventures,
0.11%
Others,
1.45%
Dec-21 (Domestic)
Govt. sec,
70.59%
Shares,
1.05%
Debentures
& Bond,
25.73%
Subsidiaries
& Joint
Ventures,
0.20%
Others,
2.43%
Dec-22 (Domestic)
Asset quality
Asset Quality
₹ in (Cr)
Item Dec-21 Sep-22 Dec-22
Gross NPA 10042 9359 8506
Net NPA 3334 2700 2407
Gross NPA (%) 8.00 6.58 5.63
Net NPA (%) 2.81 1.99 1.66
Provision Coverage Ratio (%) 91.30 92.90 93.58
10042
9359
8506
3334
2700 2407
Dec-21 Sep-22 Dec-22
Gross NPA Net NPA
Movement of NPA
₹ in (Cr)
Item
Year Ended Quarter Ended
Mar 22 Dec-21 Jun-22 Sep-22 Dec-22
Opening Balance 11352 10910 10237 9740 9359
Slippages 6122 579 556 578 491
Less
Cash Recovery 1299 363 275 386 359
Upgradation 2087 191 184 176 184
Write off 3851 893 594 397 801
Total reduction 7237 1447 1053 959 1344
Closing Balance 10237 10042 9740 9359 8506
Cash Recovery +Recovery
in Written off
2845 684 507 794 817
NCLT
Dec-2022 (₹ Cr.) 1st List 2nd List Others Total
Exposure to number of accounts referred under IBC
(As per RBI List)
2 8 128 138
Loan Outstanding 890 2176 12900 15965
Total Provisions Held 890 2176 12852 15917
₹ in (Cr)
Inc. Tech. Write off
Fresh Slippage
Fresh Slippage
Dec-21 Sep-22 Dec-22
No of
Account
Amount
(In Cr)
No of
Account
Amount
(In Cr)
No of
Account
Amount
(In Cr)
Corporate 6 57.70 2 17.86 3 21.87
SME 9587 209.33 8388 149.68 6955 102.04
AGRI 3867 53.35 18868 151.69 2729 69.91
Retail 2639 109.74 1425 80.51 1493 85.37
Others 98 45.24 230 30.66 80 27.49
Total 16197 475.36 28913 430.40 11260 306.68
Slippage Ratio 2.09 1.90 1.48
₹ in (Cr)
Segment NPA
Dec-21 Sep-22 Dec-22
Agriculture & Allied Activities 4048 3574 3509
Micro & Small Industries 194 141 135
Medium Industries 50 43 43
Large Industries 919 701 626
Services 2646 2410 2337
Retail 911 697 684
All others 1275 1792 1144
4048
3574 3509
194 141 135
50 43 43
919
701 626
2646
2410 2337
911
697 684
1275
1792
1144
Agriculture & Allied Activities Micro & Small Industries Medium Industries
Large Industries Services Retail
All others
₹ in (Cr)
Rating Mix (Domestic)
₹ in (Cr)
₹ in (Cr) Dec-21 Sep-22 Dec-22
A& Above 24619 30751 34497
BBB 4712 2564 3138
Below BBB 3251 3794 3202
Total Rated 32582 37109 40837
Unrated 1605 1279 2028
21.54
4.12
2.84
1.40
25.07
2.09
3.09
1.04
26.55
2.42
2.46
1.56
A& Above BBB Below BBB Unrated
A&
Above
BBB
Below
BBB
Unrated
SMA Data
Dec-21 Sep-22 Dec-22
SMA-0 763 8300 7953
SMA-1 3661 2978 3357
SMA-2 2969 3283 2888
Fresh Slippage 579 578 491
763
8300
7953
3661
2978
3357
2969
3283
2888
579 578 491
SMA-0 SMA-1 SMA-2 Fresh Slippage
₹ in (Cr)
COVID Resolution Framework as on 31.12.2022
₹ in (Cr)
Resolution Framework 1.0
Category
Outstanding
(31.12.2022)
MSME (Upto Rs 25 Cr.) 168.37
Personal Loans 61.19
Agriculture Allied 0
Corporate Loans 516.23
Total 745.79
Resolution Framework 2.0
Category
Outstanding
(31.12.2022)
MSME 1105.37
Personal & Small Business 1071.98
Agriculture Allied 193.35
Total 2370.70
Financials
Balance Sheet
₹ in (Cr)
CAPITAL & LIABILITIES 31.12.2021 30.09.2022 31.12.2022
Capital 11956 11956 11956
Reserves & Surplus 11314 12408 13199
Deposits 218802 235149 243170
Borrrowings 14166 19575 22084
Other Liabilities & Provisions 6792 6257 6104
Total 263030 285345 296513
ASSETS
Cash and Balances with RBI 9927 13818 11952
Balances with Banks and Money at Call and
Short Notice
14995 15884 19238
Investments 96514 97897 97957
Advances 118728 135428 144896
Fixed Assets 3332 3383 3423
Other Assets 19534 18935 19047
Total 263030 285345 296513
Key Financial Indicators
Particulars (Qtr.) Dec-21 Sep-22 Dec-22
Book Value per Share (₹) 9.37 10.67 11.59
Earning Per Share (₹) 0.26 0.42 0.55
Net Worth ( ₹ in Cr.) 10621 12064 13110
Business Per Branch ( ₹ In Cr.) 112.05 121.40 126.27
Business Per Employee ( ₹ in Cr.) 15.67 17.12 18.00
Operating Profit Per Employee ( ₹ in Lakh) 6.10 5.40 6.18
Net Profit Per Employee ( ₹ in Lakh) 1.41 2.29 2.98
Capital & Shareholding
Capital & Shareholding Pattern
Particulars
Dec-21 Sep-22 Dec-22
CET1 Capital 11977 11862 12473
Tier I Capital 11977 11862 12473
Tier II Capital 2884 2925 2961
Total Capital 14861 14787 15434
Risk Weighted Assets 102081 105436 107804
CET1 (%) 11.73 11.25 11.57
Tier I (%) 11.73 11.25 11.57
Tier II (%) 2.83 2.77 2.75
Capital Adequacy Basel
III (%) (CRAR) 14.56 14.02 14.32
₹ in (Cr)
As on 31.12.2022
Share Capital (₹ in Cr.) 11956
Net Worth (₹ in Cr.) 13110
Market Cap (₹ in Cr.) 37661
No of Equity Shares (in Cr.) 1196
Govt.,
95.39
FIIs, 0.06
DIIs, 1.38
Others,
3.17
Share Holding Pattern
Digital Journey
Digital Progress
New Initiative
UPI 123 on IVR (0804516377)
Introduction of Uco Bank Merchant.
Installation of 16 Cash Recycler & 22 ATM.
Instant activation of Debit card.
New Features in M-Banking
Introduction of Lifestyle E-marketplace
Personalised Cheque Acknowledgement.
 Mbanking for NRE/NRO
 No Due Certificate
 Loan Interest Certificate
Road ahead for E Banking and M-Banking
Procurement of 300 ATM
UPI Central Mapper
UCO Merchant App UCO QR Code Sound Box
Digital Performance
Digital Channels Dec-21 Sep-22 Dec-22
Growth (%)
Y-O-Y Q-O-Q
Debit Cards (Lakhs) 111.42 118.79 121.64 8.40 2.34
Internet Banking (Lakhs) 14.22 14.57 14.73 3.46 1.09
Retail (Lakhs) 12.55 12.80 12.92 2.86 0.93
Corporate (Lakhs) 1.67 1.78 1.81 7.73 1.66
Mobile Banking (Lakhs) 52.22 69.65 75.93 31.23 8.27
Bhim UCO UPI (Lakhs) 5.25 5.84 6.02 12.79 2.99
POS Terminals 8880 10145 10402 14.63 2.47
Avg. Daily ATM Hits 90 97 100 10.00 3.00
Debit
Card,
121.64
Internet
Banking,
14.73
Mobile
Bankin,
75.93
BHIM
Uco UPI,
6.02
Dec-22
Debit
Card,
111.42
Internet
Banking,
14.22
Mobile
Bankin,
52.22
BHIM
Uco UPI,
5.25
Dec-21
Associate
As on 31.12.2022 (Audited)
Particulars Amount (₹ in Cr)
Total Business 9917.90
Deposit 6353.82
Advances 3564.08
Income Dec Qtr. 152.01
Expenditure & Provision Dec Qtr. 148.92
Net Profit Dec Qtr. 3.09
No of Branches 230
Employee Strength 1022
Paschim Banga Gramin Bank
ESG Initiative
 Bank has been using eco-friendly refrigerant gas in air conditioners, green generators and LED
lights in most of its offices to avoid carbon emissions and radiation.
 Bank is financing to disadvantaged, vulnerable and marginalized stakeholders through various
bank credit scheme viz. KCC, NRLM, PMJDY OD facility, Fishery loan, Mudra-Shishu etc.
 Bank is committed to prudent Corporate Governance practices based on transparency,
professionalism and accountability.
 Bank has 35 financial literacy centres across the country which conducted more than 2500
financial literacy camps thereby spreading financial awareness among masses
 Bank has been participating in the programmes which promotes environmental issues under “Clean
and Green” Campaign.
 Bank has appointed Internal Ombudsman in order to strengthen the banks internal grievances
redressal mechanism to reinforce the customer’s confidence.
 Loan outstanding as on 31.12.2022 under :
Women SHG – Rs. 1837 crore
PM SVANidhi – Rs. 24.73 crore
Mudra(Shishu) – Rs. 288.32 crore
Thank You!

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Analyst PPT Dec 22.pdf

  • 1. UCO BANK Qtly. Results December 22 (A Govt. of India Undertaking)
  • 2. UCO BANK Sets New Milestones Highest Business ₹ 394229 Cr. Highest Deposit ₹ 243170 Cr. Highest (NII) in a Qtr. ₹ 1952 Cr. Highest Net Profit in a Qtr. ₹ 653 Cr.
  • 3. Contents Highlights: December 2022 Business segment Performance Asset Quality Financials Capital & Shareholding Digital Journey
  • 4. East, 946 West, 301 North, 827 South, 321 Central, 516 North East, 209 Rural, 1093 Semi urban, 832 Urban, 610 Metro, 585 26.67% (35.03%) 19.55% 3120 2 2415 5661 Domestic Branches Overseas Branches ATM BCs Our Presence
  • 6. Total Business ₹ 394229Cr. 14.49% (Y-Y) Total Advance ₹151059 Cr. 20.35% (Y-Y) Total Deposit ₹243170Cr. 11.14 % (Y-Y) Net Profit Gross NPA CRAR ₹ 653Cr. 110.37% (Y-Y) 5.63% 14.32% Major Highlights
  • 7. Financials 1340 1190 1354 Dec-21 Sep-22 Dec-22 Operating Profit (Qtr) ₹ in (Cr) 35 80 102 205 310 312 124 505 653 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Net Profit (Qtr) ₹ in (Cr) 1407 1413 1460 1598 1763 1652 1650 1770 1952 Dec-20 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Net Interest Income (Qtr) ₹ in (Cr) 187 209 229 321 408 458 211 163 136 Dec-21 Sep-22 Dec-22 Non Interest Income(Qtr.) Fee Income Recovery In Written Off Treasury Income ₹ in (Cr)
  • 8. Improving Asset Quality 88.40 88.53 90.02 91.30 91.44 91.96 92.90 93.58 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 PCR (%) 3.94 3.85 3.37 2.81 2.70 2.49 1.99 1.66 9.59 9.37 8.98 8.00 7.89 7.42 6.58 5.63 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Net NPA (%) Gross NPA % 684 794 817 191 176 184 Dec-21 Sep-22 Dec-22 Recovery (Qtr.) ₹ in Cr Cash Recovery + Recovery in Written off A/c Upgradation
  • 9. Business Growth Business Mix (Deposits + Advances) Dec-21 Sep-22 Dec-22 Q-Q (%) Y-O-Y (%) Global Business 344322 377305 394229 4.49 14.49 Domestic 328286 351411 364985 3.86 11.18 Overseas 16036 25894 29244 12.93 82.36 Global Deposits 218803 235149 243170 3.41 11.14 Domestic 214013 228730 235048 2.76 9.83 Overseas 4789 6418 8122 26.54 69.59 Global Advances (Gross ) 125519 142156 151059 6.26 20.35 Domestic 114272 122680 129937 5.92 13.71 Overseas 11247 19476 21122 8.45 87.80 CD Ratio (%) 57.37 60.45 62.12 - - ₹ in (Cr)
  • 10. Operating Revenues ₹ in (Cr) Sl. Parameters Quarter Ended Variation (%) over Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%) 1 Interest Income 3919 4185 4627 10.57 18.06 2 Interest Expenses 2157 2415 2675 10.76 24.05 3 NII (1-2) 1763 1770 1952 10.30 10.74 4 Non-Interest Income 719 780 823 5.58 14.51 5 Operating Expenses 1141 1360 1421 4.53 24.53 6 Operating Profit (3+4-5) 1340 1190 1354 13.80 1.02 7 Provisions 1030 685 701 2.29 -31.94 8 Net Profit 310 505 653 29.42 110.37 Net Interest Margin (Global) (%) 3.03 2.84 2.99 Net Interest Margin (Domestic) (%) 3.14 2.97 3.18 Cost to Income (%) 45.99 53.33 51.22
  • 11. Net Interest Income ₹ in (Cr) Particulars Quarter Ended Variation (%) over Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%) Interest Income 3919 4185 4627 10.57 18.06 a. From Advances 2254 2390 2773 16.06 23.04 b. From Investments 1526 1548 1577 1.93 3.38 c. Others 139 248 277 11.60 98.24 Interest Expended 2157 2415 2675 10.76 24.05 a. On Deposits 2067 2243 2421 7.94 17.10 b. On Borrowings 2 91 159 74.57 - c. Bonds & Others 88 82 96 17.33 9.38 Net Interest Income 1763 1770 1952 10.30 10.74 Cost of Deposit (%) 3.85 3.95 4.12 Cost of Fund (%) 3.31 3.27 3.49 Yield on Advances (%) 7.54 7.17 7.82 Yield on Investment (%) 6.27 6.28 6.31 Yield on Funds (%) 6.74 6.71 7.08
  • 12. Non Interest Income ₹ in (Cr) Quarter Ended Variation (%) over Particulars Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%) a) Fee Based Income 187 209 229 9.71 22.78 i. Income from Commission & Charges 183 189 214 13.23 16.94 ii. Third Party Product Income 4 20 15 -25.00 275.00 b) Recovery in Written Off 321 408 458 12.41 42.92 c) Treasury Income 211 163 135 -35.55 -16.56 i. Profit on sale of Investments 134 50 44 -66.42 -10.00 ii. Profit on Exchange Transaction 67 52 53 1.99 -20.83 iii. Profit/loss on Revaluation of Investment 9 58 38 -34.81 312.96 iv. Others 1 3 - -92.82 -76.36 Total (a+b+c) 719 780 823 5.58 14.51
  • 13. Provisions Particulars Quarter Ended Variation (%) over Dec-21 Sep-22 Dec-22 Q-O-Q (%) Y-O-Y (%) Operating Profit 1340 1190 1354 13.80 1.02 Provisions for : NPA 565 400 220 -44.99 -61.05 Standard Assets 21 20 33 61.44 55.54 Others (37) (15) 80 -633.33 -316.22 Income Tax (DTA) 481 279 368 31.90 -23.49 Total Provision 1030 685 701 2.29 -31.94 Net Profit /Loss 310 505 653 29.42 110.37 Technical Write off 853 290 694 139.75 -18.62 Return on Assets (%) 0.48 0.68 0.85 Return on Equity (%) 6.25 9.76 12.27 ₹ in (Cr)
  • 15. Global Deposits ₹ in (Cr) Particulars Dec-21 Sep-22 Dec-22 Growth Q-Q Y-Y Saving Deposits 74063 78933 79876 1.20 7.85 Current Deposits 8606 11586 11620 0.29 35.02 CASA 82670 90519 91496 1.08 10.68 Term Deposits 131344 138212 143552 3.86 9.29 Overseas Deposits 4789 6418 8122 26.54 69.59 Global Deposits 218803 235149 243170 3.41 11.14 CASA Domestic (%) 38.63 39.57 38.93 - - CASA Global (%) 38.11 38.74 37.89 Dec-21, 38.11 Sep-22, 38.74 Dec-22, 37.89 CASA Global (%) 3.79 4.06 Dec-21 Dec-22 Savings A/c (In Cr.)
  • 16. RAM (Domestic Advance) ₹ in (Cr) ₹ in (Cr) Dec-21 Sep-22 Dec-22 Growth (Y-Y) % Domestic Advance 114272 122680 129937 13.71 Of Which Retail Advance* 28229 31055 32375 14.69% Agriculture Advance* 18422 20105 20627 11.97 MSME Advance* 24238 25430 26625 9.85 Total RAM 70889 76590 79627 12.33% RAM % to Gross Advance 62.04% 62.43% 61.28% - Dec-21, 62.04 Sep-22, 62.43 Dec-22, 61.28 RAM% (Domestic Advance) * Fig. are Excluding TWO & Investment
  • 17. Retail Growth Retail Advance As on Dec 2022 Particulars Dec-21 Dec-22 Growth (Y-Y) % Home Loan 15877 18908 19.09 Car Loan 1815 2166 19.30 Personal Loan 877 1079 23.06 Others 8921 9300 4.49 Total 27491 31453 14.41 60% 7% 3% 30% Dec-22 Home Loan Car Loan Personal Loan Others 58% 7% 3% 32% Dec-21 Home Loan Car Loan Personal Loan Others
  • 18. Priority Sector Advance Industry Dec-21 Sep-22 Dec-22 % Growth Y-O-Y % to ANBC Agriculture 24995 24094 24583 -1.65 19.67 Out of which, S&MF 12724 13247 13638 7.19 10.91 MSME 22016 25627 26775 21.62 21.42 Out of which, Micro 12225 15165 16654 36.23 13.33 Housing Loan 8921 11106 10481 17.49 8.39 Education Loan 831 815 848 2.05 0.68 Others 1277 2144 2388 87.00 1.91 Total Priority Sector Advances 58040 63786 65075 12.12 52.07 ₹ in (Cr)
  • 19. Financial Inclusion Growth Dec-21 Sep-22 Dec-22 Particulars No. of Accts Amount No. of Accts Amount No. of Accts Amount PMJDY (Lacs) 111.56 3903.75 118.83 4898.23 121.39 5070.49 Zero Balance Accts (Lacs) 13.81 - 13.21 - 13.15 - PMMY Shishu 184612 312.35 1,77,362 294.00 167467 288.32 PMMY Kishor 174781 2408.86 2,02,076 2,912.15 205402 3079.57 PMMY Tarun 24420 1487.14 34,380 2,038.43 36242 2190.13 PMMY Total 383813 4208.35 4,13,818 5,244.58 409111 5558.01 ₹ in (Cr) PMSBY (38.09 Lac) 34.69%(Y-Y) APY (7.16 Lac) 39.30%(Y-Y) PMJJBY (17.97 Lac) 33.41%(Y-Y) Schemes
  • 20. Investment Portfolio ₹ in (Cr) Dec-21 Sep-22 Dec-22 Domestic Investments 96240 98320 97918 Overseas Investments 2035 2414 2708 Total Investments 98275 100734 100626 27847 24503 22653 68384 73817 75265 Dec-21 Sep-22 Dec-22 Domestic Investment AFS HTM Govt. sec, 69.67% Shares, 1.06% Debentures & Bond, 27.71% Subsidiaries & Joint Ventures, 0.11% Others, 1.45% Dec-21 (Domestic) Govt. sec, 70.59% Shares, 1.05% Debentures & Bond, 25.73% Subsidiaries & Joint Ventures, 0.20% Others, 2.43% Dec-22 (Domestic)
  • 22. Asset Quality ₹ in (Cr) Item Dec-21 Sep-22 Dec-22 Gross NPA 10042 9359 8506 Net NPA 3334 2700 2407 Gross NPA (%) 8.00 6.58 5.63 Net NPA (%) 2.81 1.99 1.66 Provision Coverage Ratio (%) 91.30 92.90 93.58 10042 9359 8506 3334 2700 2407 Dec-21 Sep-22 Dec-22 Gross NPA Net NPA
  • 23. Movement of NPA ₹ in (Cr) Item Year Ended Quarter Ended Mar 22 Dec-21 Jun-22 Sep-22 Dec-22 Opening Balance 11352 10910 10237 9740 9359 Slippages 6122 579 556 578 491 Less Cash Recovery 1299 363 275 386 359 Upgradation 2087 191 184 176 184 Write off 3851 893 594 397 801 Total reduction 7237 1447 1053 959 1344 Closing Balance 10237 10042 9740 9359 8506 Cash Recovery +Recovery in Written off 2845 684 507 794 817
  • 24. NCLT Dec-2022 (₹ Cr.) 1st List 2nd List Others Total Exposure to number of accounts referred under IBC (As per RBI List) 2 8 128 138 Loan Outstanding 890 2176 12900 15965 Total Provisions Held 890 2176 12852 15917 ₹ in (Cr) Inc. Tech. Write off
  • 25. Fresh Slippage Fresh Slippage Dec-21 Sep-22 Dec-22 No of Account Amount (In Cr) No of Account Amount (In Cr) No of Account Amount (In Cr) Corporate 6 57.70 2 17.86 3 21.87 SME 9587 209.33 8388 149.68 6955 102.04 AGRI 3867 53.35 18868 151.69 2729 69.91 Retail 2639 109.74 1425 80.51 1493 85.37 Others 98 45.24 230 30.66 80 27.49 Total 16197 475.36 28913 430.40 11260 306.68 Slippage Ratio 2.09 1.90 1.48 ₹ in (Cr)
  • 26. Segment NPA Dec-21 Sep-22 Dec-22 Agriculture & Allied Activities 4048 3574 3509 Micro & Small Industries 194 141 135 Medium Industries 50 43 43 Large Industries 919 701 626 Services 2646 2410 2337 Retail 911 697 684 All others 1275 1792 1144 4048 3574 3509 194 141 135 50 43 43 919 701 626 2646 2410 2337 911 697 684 1275 1792 1144 Agriculture & Allied Activities Micro & Small Industries Medium Industries Large Industries Services Retail All others ₹ in (Cr)
  • 27. Rating Mix (Domestic) ₹ in (Cr) ₹ in (Cr) Dec-21 Sep-22 Dec-22 A& Above 24619 30751 34497 BBB 4712 2564 3138 Below BBB 3251 3794 3202 Total Rated 32582 37109 40837 Unrated 1605 1279 2028 21.54 4.12 2.84 1.40 25.07 2.09 3.09 1.04 26.55 2.42 2.46 1.56 A& Above BBB Below BBB Unrated A& Above BBB Below BBB Unrated
  • 28. SMA Data Dec-21 Sep-22 Dec-22 SMA-0 763 8300 7953 SMA-1 3661 2978 3357 SMA-2 2969 3283 2888 Fresh Slippage 579 578 491 763 8300 7953 3661 2978 3357 2969 3283 2888 579 578 491 SMA-0 SMA-1 SMA-2 Fresh Slippage ₹ in (Cr)
  • 29. COVID Resolution Framework as on 31.12.2022 ₹ in (Cr) Resolution Framework 1.0 Category Outstanding (31.12.2022) MSME (Upto Rs 25 Cr.) 168.37 Personal Loans 61.19 Agriculture Allied 0 Corporate Loans 516.23 Total 745.79 Resolution Framework 2.0 Category Outstanding (31.12.2022) MSME 1105.37 Personal & Small Business 1071.98 Agriculture Allied 193.35 Total 2370.70
  • 31. Balance Sheet ₹ in (Cr) CAPITAL & LIABILITIES 31.12.2021 30.09.2022 31.12.2022 Capital 11956 11956 11956 Reserves & Surplus 11314 12408 13199 Deposits 218802 235149 243170 Borrrowings 14166 19575 22084 Other Liabilities & Provisions 6792 6257 6104 Total 263030 285345 296513 ASSETS Cash and Balances with RBI 9927 13818 11952 Balances with Banks and Money at Call and Short Notice 14995 15884 19238 Investments 96514 97897 97957 Advances 118728 135428 144896 Fixed Assets 3332 3383 3423 Other Assets 19534 18935 19047 Total 263030 285345 296513
  • 32. Key Financial Indicators Particulars (Qtr.) Dec-21 Sep-22 Dec-22 Book Value per Share (₹) 9.37 10.67 11.59 Earning Per Share (₹) 0.26 0.42 0.55 Net Worth ( ₹ in Cr.) 10621 12064 13110 Business Per Branch ( ₹ In Cr.) 112.05 121.40 126.27 Business Per Employee ( ₹ in Cr.) 15.67 17.12 18.00 Operating Profit Per Employee ( ₹ in Lakh) 6.10 5.40 6.18 Net Profit Per Employee ( ₹ in Lakh) 1.41 2.29 2.98
  • 34. Capital & Shareholding Pattern Particulars Dec-21 Sep-22 Dec-22 CET1 Capital 11977 11862 12473 Tier I Capital 11977 11862 12473 Tier II Capital 2884 2925 2961 Total Capital 14861 14787 15434 Risk Weighted Assets 102081 105436 107804 CET1 (%) 11.73 11.25 11.57 Tier I (%) 11.73 11.25 11.57 Tier II (%) 2.83 2.77 2.75 Capital Adequacy Basel III (%) (CRAR) 14.56 14.02 14.32 ₹ in (Cr) As on 31.12.2022 Share Capital (₹ in Cr.) 11956 Net Worth (₹ in Cr.) 13110 Market Cap (₹ in Cr.) 37661 No of Equity Shares (in Cr.) 1196 Govt., 95.39 FIIs, 0.06 DIIs, 1.38 Others, 3.17 Share Holding Pattern
  • 36. Digital Progress New Initiative UPI 123 on IVR (0804516377) Introduction of Uco Bank Merchant. Installation of 16 Cash Recycler & 22 ATM. Instant activation of Debit card. New Features in M-Banking Introduction of Lifestyle E-marketplace Personalised Cheque Acknowledgement.  Mbanking for NRE/NRO  No Due Certificate  Loan Interest Certificate Road ahead for E Banking and M-Banking Procurement of 300 ATM UPI Central Mapper UCO Merchant App UCO QR Code Sound Box
  • 37. Digital Performance Digital Channels Dec-21 Sep-22 Dec-22 Growth (%) Y-O-Y Q-O-Q Debit Cards (Lakhs) 111.42 118.79 121.64 8.40 2.34 Internet Banking (Lakhs) 14.22 14.57 14.73 3.46 1.09 Retail (Lakhs) 12.55 12.80 12.92 2.86 0.93 Corporate (Lakhs) 1.67 1.78 1.81 7.73 1.66 Mobile Banking (Lakhs) 52.22 69.65 75.93 31.23 8.27 Bhim UCO UPI (Lakhs) 5.25 5.84 6.02 12.79 2.99 POS Terminals 8880 10145 10402 14.63 2.47 Avg. Daily ATM Hits 90 97 100 10.00 3.00 Debit Card, 121.64 Internet Banking, 14.73 Mobile Bankin, 75.93 BHIM Uco UPI, 6.02 Dec-22 Debit Card, 111.42 Internet Banking, 14.22 Mobile Bankin, 52.22 BHIM Uco UPI, 5.25 Dec-21
  • 38. Associate As on 31.12.2022 (Audited) Particulars Amount (₹ in Cr) Total Business 9917.90 Deposit 6353.82 Advances 3564.08 Income Dec Qtr. 152.01 Expenditure & Provision Dec Qtr. 148.92 Net Profit Dec Qtr. 3.09 No of Branches 230 Employee Strength 1022 Paschim Banga Gramin Bank
  • 39. ESG Initiative  Bank has been using eco-friendly refrigerant gas in air conditioners, green generators and LED lights in most of its offices to avoid carbon emissions and radiation.  Bank is financing to disadvantaged, vulnerable and marginalized stakeholders through various bank credit scheme viz. KCC, NRLM, PMJDY OD facility, Fishery loan, Mudra-Shishu etc.  Bank is committed to prudent Corporate Governance practices based on transparency, professionalism and accountability.  Bank has 35 financial literacy centres across the country which conducted more than 2500 financial literacy camps thereby spreading financial awareness among masses  Bank has been participating in the programmes which promotes environmental issues under “Clean and Green” Campaign.  Bank has appointed Internal Ombudsman in order to strengthen the banks internal grievances redressal mechanism to reinforce the customer’s confidence.  Loan outstanding as on 31.12.2022 under : Women SHG – Rs. 1837 crore PM SVANidhi – Rs. 24.73 crore Mudra(Shishu) – Rs. 288.32 crore