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Hearty Welcome To All at Analysts’ Meet On May,23 2011

Hearty Welcome To All at Analysts’ Meet On May,23 2011. OVERVIEW OF ECONOMY In 2010-11 Economy took off in an environment of incipient domestic recovery and uncertainty about the State of global economy.

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Hearty Welcome To All at Analysts’ Meet On May,23 2011

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  1. Hearty Welcome To All at Analysts’ Meet On May,23 2011

  2. OVERVIEW OF ECONOMY • In 2010-11 Economy took off in an environment of incipient domestic recovery and uncertainty about the State of global economy. • Economy estimated to have grown by 8.6 percent vis-à-vis growth of 8 percent in 2009-2010. • GDP growth in 2010-11 mainly aided by a rebound in agricultural growth at 5.4% vis a vis 0.4% in 2009-10 and sustained momentum in the Service Sector.

  3. ECONOMIC OUTLOOK , 2011-12 • Sustaining high growth will get impacted by persistent high inflation on account of high commodity prices. • Current Account Deficit is expected to be significant in 2011-12 – is financing will remain an issue…..? • Debt problems in the euro area. • Implication of abrupt rise in long term interest rates in advance economies. • Strong credit demand , prediction of normal monsoon, good pipeline investment and reduced energy intensity per unit of output may help sustain growth.

  4. CHALLENGES BEFORE BANKING SECTOR • Growth in deposit lagging behind the projected credit growth. • Impact on Net Interest Income on account of tightening of provisioning norms and increase in SB Rate. • Transmission of global banking uncertainties impacting Emerging Economies. • Increased competition on account of opening of Banking Sector to Foreign / Indian Private sector entities.

  5. WE ARE A BANK - - - - -

  6. Pan-India Presence 51 54 89 90 Covering all States & UTs • Zones : 35 • Branches : 2204 • EC : 4 • ATM : 608 77 48 51 47 64 77 59 71 48 46 70 52 50 56 81 47 75 44 55 73 59 46 57 71 47 70 96 60 47 91 29 As on 31st MAR, 2011

  7. BRANCH NETWORK (31.3.2011) • All branches under CBS • Presence in all States & Union Territories • Two Branches each in Hong Kong & Singapore Centres • Representative Offices in Kuala Lumpur & Guangzhou in China

  8. Share Holding Pattern, Mar. 2011

  9. Rs. in Crore GLOBAL BUSINESS Y O Y ↑ 20.62% Y O Y ↑ 18.68%

  10. COMPOSITION OF DOMESTIC DEPOSITS Rs. in Crore

  11. DOMESTIC ADVANCES CATEGORY WISE Rs. in Crore

  12. INTEREST INCOME (Global) Rs. in Crore INTEREST INCOME UP by 19.37%

  13. Rs. in Crore INTEREST EXPENDED (Global) Interest increased only by 4.48% while Deposit increased by 18.68%

  14. Rs. in Crore OTHER INCOME (GLOBAL)

  15. STAFF COST & OPERATING EXPENSES Rs. in Crore

  16. Employee Benefits as per AS-15

  17. NET INTEREST INCOME (Global) Rs. in Crore

  18. OPERATING PROFIT & PROVISIONING Rs. in Crore

  19. RESTRUCTURED ACCOUNTS Rs. in Crore

  20. Rs. in Crore IMPAIREDASSETS

  21. Rs. in Crore DOUBTFUL ASSESTS SUBSTANDARD ASSETS LOSS ASSETS

  22. Rs. in Crore

  23. PROVISION COVERAGE Transfer to counter cyclical buffer account : Rs 210 Cr

  24. PERFORMANCE RATIOS

  25. IMPROVING PERFORMANCE INDICES

  26. PERFORMANCE RATIOS

  27. CAPITAL ADEQUACY BASEL - II T1 includes Rs 673 Cr PNCPS & Rs 940 Cr as equity received from Govt. at a premium of Rs. 110.27

  28. Rs. in Crore INTEREST INCOME UP by 25.99%

  29. Rs. in Crore INTEREST EXPENDED

  30. PERFORMANCE RATIOS

  31. NET INTEREST INCOME Rs. in Crore GROWTH IN NII BY 13.58 %

  32. PERFORMANCE RATIOS Rs. in Crore

  33. PERFORMANCE RATIOS

  34. Rs. in Crore PERFORMANCE RATIOS

  35. EXISTING SETUP • Eight Field General Managers posted across the country as extended arms of Head Office to oversee and control all 35 Zones and vested with all necessary administrative and lending powers for seamless operation. • Zonal Offices directly controlling the service outlets / branches. • Flagship Corporate and Mid Corporate lending being handled directly by the respective Headoffice verticals. • NPA management & recovery above a threshold limit done by the Asset Recovery Branches • Central Processing Centres, Retail Processing Hubs, and SME hubs in place for quick disposal of credit proposals and ensuring acquisition of quality assets. • City Back Offices providing support system to branches for better customer service. • Branches transformed into “service outlets ” to concentrate on customer acquisition / retention, fee-based income, govt. & e-business. • Leveraging technology for efficiency, cost savings & increasing market share.

  36. HRM Initiatives

  37. LOOKING AHEAD……

  38. SME INITIATIVES • SME Loan Hubs proposed across the country at major industrial clusters .Already setup at Mumbai, Newdelhi and Kolkata rest will follow. • Special SME vertical setup at Head Office to monitor and push SME advances. • These hubs shall deliver speedy disposal of credit proposal between Rs 25.00 lacs to Rs 25.00 crore pertaining to Small and Medium Enterprise. • In addition to SMEs as per RBI’s definition, all other entities with annual sales of Rs.1 Cr. to Rs.100 Cr. and New Infrastructure and real estate projects where the project cost upto Rs.50 Cr. Covered under SME.

  39. Over 70% of SME Advances Revenue is concentrated in the top 15 Cities and 9 Industries Remaining Cities 25 Cluster Cities Top 15 Cities

  40. IT INITIATIVES Core Banking Solution • All 2202 branches and 4 Extension Counters have been made live under Core Banking Solution (CBS) covering 100% of the business of the Bank • All branches of the Bank are RTGS and NEFT live • Extension of facility of RTGS and NEFT through E-Banking implemented • The implementation of CBS started in all the 5 RRBs of the bank and will be completed by the year end.

  41. ATM • Total number of ATMs as on 31.03.2011 is 608 • Deployment of 500 ATMs/CDs is in progress on CAPEX model . • Process of implementation of another 1000 ATMs/CDs on OPEX model (per transaction basis) started.

  42. UCO E-Banking • Beneficiary Registration System: • Bank has successfully implemented Beneficiary Registration for e-Banking online fund transfer/Bill payment. • The SMS/email based One time Activation Code (OAC) since being generated and authenticated to register the beneficiaries for making any e-payments

  43. UCO MOBILE BANKING: • Complete transaction based Mobile banking has been successfully launched with the features such as • Fund Transfer (from Mob to Mob & Mob to a/c) • Balance enquiry and Mini Statement • Mobile Recharge • Bill Payment / e_ Ticketting • ATM card hotlisting etc

  44. ON LINE SHARE TRADING: • An integrated solution for the e-Banking users • Customers having Demat accounts with our Bank for making online share trading through M/s Religare. • Online Share trading module has been integrated with e-Banking platform • Digital Slip implemented in DP Server to be used for online buy & sell of stocks.

  45. Bank on Wheels: • A single mobile infrastructure with complete Bank-on-wheels • Banking services like customer enrolment through biometric ATM, issuance of non-personalized Debit Cards, receipt and payment of cash, printing of Passbook, collection of cheque, remittance facilities through DD / RTGS / NEFT, collection of loan applications and credit disbursal etc. made available at the doorstep of customers • 24 Bank on Wheels has already been started functioning

  46. OTHER IT INITIATIVES • Some other initiatives undertaken by the Bank: • ASBA facility – through designated branches and also extended to e- banking customers of the Bank • Direct Tax Payment through ATM • Third Party Fund Transfer through ATM • Central Plan Scheme Monitoring System(CPSMS) • Collection of Railway freight • Online booking of Railway Tickets

  47. IT INITIATIVES for 2011-12 • A few of the major IT initiatives slated for 2011-2012 are : • Global Treasury • Data Ware housing • Call Centers • CRM • Payment Gateway • HRMS • Prepaid Smart Cards

  48. FINANCIAL INCLUSION • All unbanked villages numbering 72,800 with population of 2000+ are to be provided with banking facilities through formal financial system. • UCO Bank allocated 1780 unbanked villages which are to be covered by March 2012. • Financial Inclusion Plan drawn up having three way approach: • Brick and Morter Branches • Mobile Banks • ICT based BC Model • Till March 2011, 979 villages covered through above three approaches.

  49. UCO SATHI

  50. Thank You

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