UNITED BANK OF INDIA The Bank that begins with
FINANCIAL RESULTS Fy:2018-19 , Q-2
Date :13/11/2018
Bank’s Key Strengths
* Robust CASA Deposits.
* Significant presence in rural & semi-urban markets with focus
on mid segment.
* Diversified products to cater to requirements of all segments.
* Technology-enabled operating platform, committed to digital
banking.
* Personalised Service.
2
68562 68250 68692 66743 66830
126322 125579 129326 128567 129977
Sept'17 Dec'17 Mar'18 Jun'18 Sept'18
Total Advance Total Deposit
CASA
49.23 %
Term
Deposit
50.77 %
CASA Share
CASA Term Deposit
59921
59263
62648
62938
63987
56000
58000
60000
62000
64000
66000
Sep'17 Dec'17 Mar'18 Jun'18 Sep'18
CASA Growth Quarter wise
Business Profile (Rs. in Crores)
3
A Glance on Results Q2: FY 2018-19
Performance
Parameter
(Amt in Rs. Cr)
Q2-18
Q2-19
Operating Profit 286 206
Net Profit -345 -883
Total Business 194884 196807
Total Deposits 126322 129977
Total Advances 68562 66830
Total Assets 139282 142667
Net worth 4208 2788
Total Capital
(Basel- III) 7319 4577
Tier I Capital
(Basel-III) 5459 3407
Business per
Employee 13.25 13.59
Ratio (in %)
Q2-18
Q2-19
Return on Assets -0.98 -2.43
Credit to Deposit
(CD) 54.28 51.41
CASA 47.44 49.23
NIM 1.66 2.16
Capital Adequacy
Ratio
(Basel III, Tier I )
10.70
(7.98)
7.82
(5.82)
Cost of Fund 5.54 5.06
Provision
Coverage Ratio 57.41 60.10
Gross NPA 18.80 22.69
Net NPA 11.63 14.36
4
Results at a Glance Q2: FY 2018-19
Particulars Q2-FY19 (in Cr )
Movement
from Q2-FY18
Movement
(%)
Q2-FY18 (in Cr )
Total Deposit 129976
2.89 126322
CASA Deposit 63987 6.78 59921
Retail Advance 11865 15.19 10300
MSME Advance 12411 1.65 12210
RAM share (%) in
Gross Advance 51.04 254 bps 48.50
Car Loan 778 7.76 722
Housing Loan 8968 13.45 7905
Net Interest Income 442 17.24 377
PCR (%) 60.10 269 bps 57.41
5
Parameters
(Amt in Rs. Cr.) Sept’17 Dec’17
Mar’18
Jun’18
Sept’18
Q-o-Q
Growth (%)
Y-o-Y
Growth (%)
Total Deposits
126322 125579 129326 128567 129977 1.10 2.89
Gross Advances
68562 68250 68692 66743 66830 0.13 -2.53
Total Business
194884 193829 198018 195310 196807 0.77 0.99
Saving Deposits 51258 51494 52744 54089 55238 2.12 7.76
Current Deposits 8663 7769 9904 8849 8749 -1.13 0.99
CASA Deposits 59921 59263 62648 62938 63987 1.67 6.79
CASA as % of
Total Deposits 47.44 47.19 48.44 48.95 49.23 - -
Term Deposits 66401 66316 66678 65629 65990 0.55 -0.62
Credit to Deposit
(%) 54.28 54.35 53.12 51.91 51.41 - -
Business Mix
6
Composition of Advances
Parameter (Amount in
Rs. Crores)
Sept’17
Dec’17
Mar’18
June’18
Sept’18
Q-o-Q
Growth (%)
Y-o-Y
Growth (%)
PRISEC 28269 28560 29321 29046 28749 -1.02 1.70
Agriculture Credit 10743 10466 10468 10281 9832 -4.37 -8.48
MSME Advance 12210 12799 12598 12322 12411 0.72 1.65
Other Priority
Sector 5316 5295 6255 6443 6506 0.98 22.39
Retail Advance 10300 10836 11329 11691 11865 1.49 15.19
Housing 7905 8238 8615 8851 8968 1.32 13.45
Education 438 427 417 405 392 -3.21 -10.50
Car Loan 722 756 783 786 778 -1.02 7.76
Personal Loan &
Others 1235 1415 1514 1649 1727 4.73 39.84
7
Thrust on RAM Advances (Y-o-Y) (Rs. in Crores)
Particular Sept’17 Sept’18
Y-o-Y
Growth
(%)
Retail Advances 10300 11865 15.19
Agriculture
Advances 10743 9832 -8.48
MSME Advances 12210 12411 1.65
Gross Advance 68562 66830 -2.53
RAM Advance 33253 34108 2.57
RAM share (%) in
Gross Advance 48.50 51.04 254 bps
0
5000
10000
15000
Sept'17
Sept'18
47
48
49
50
51
52
RAM share (%)
Sept'17
Sept'18
8
Priority Sector Credit (Rs. in Crores)
Particulars Sept’17 Dec’17
Mar’18
Jun’18 Sept’18
Q-o-Q
Growth (%)
Y-o-Y
Growth (%)
Regulatory
Requirement
ANBC
71907 71165 73442 73731 71632 -2.85 -0.38 -
PRISEC
(With RIDF)
31340 31952 33816 33184 32888 -0.89 4.94 -
% to ANBC
43.58 44.90 46.04 45.00 45.91 - - 40.00
Agriculture
(With RIDF) 12611 12398 12731 12403 11948 -3.67 -5.26
-
% to ANBC
17.54 17.42 17.33 16.82 16.68 - - 18.00
9
Investments
(Rs. in Crores)
Category Sept’17 Dec’17
Mar’18
Jun’18 Sept’18
Yield
as on
Sept-18
(%)
HTM 25531 25865 28340 28158 28337 7.55
AFS 24675 17207 22861 24660 32648 8.00
HFT 114 6 0 0 0 0
Total 50320 43079 51201 52819 60985 7.68
HTM
46%
AFS
54%
HFT 0%
10
Income - Expenditure and Profit (Rs. in Crores)
Particulars
Q- 2
(17-18)
Q- 3
(17-18)
Q- 4
(17-18)
Q- 1
(18-19)
Q- 2
(18-19)
Growth
(%)
(Q-o-Q)
Growth
(%)
(Y-o-Y)
Interest Income 2076 2005 2188 2155 2123 -1.48 2.26
Non-Interest
Income 509 478 448 395 477 20.76 -6.29
Total Income 2585 2483 2636 2550 2600 1.96 0.58
Interest
Expenditure 1699 1657 1674 1610 1681 4.41 -1.06
Operating
Expenses 599 645 828 657 713 8.52 19.03
Total
Expenditure 2299 2301 2503 2267 2394 5.60 4.13
Operating
Profit 286 182 133 283 206 -27.21 -27.97
Provision 631 819 394 671 1089 62.30 72.58
Net Profit/Loss -345 -638 -261 -389 -883 126.99 155.94
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Other Income (Rs. in Crores)
Particulars
Q- 2
(17-18)
Q- 3
(17-18)
Q- 4
(17-18)
Q- 1
(18-19)
Q- 2
(18-19)
Growth
(%)
(Q-o-Q)
Growth
(%)
(Y-o-Y)
Comm, Exch &
Brokerage 40.35 49.45 49.76 39.83 40.01 0.45 -0.84
Profit from
Trading 357.77 272.00 203.70 229.01 293.75 28.27 -17.89
Profit from
Exchange
Trans.
24.99 32.75 43.02 40.20 33.99 -15.45 36.01
Bad Debt
Realization 15.75 46.17 24.87 8.05 26.93 234.53 70.98
Other Misc.
Income 70.33 78.00 126.34 77.60 82.37 6.15 17.12
Total Other
Income 509.19 478.37 447.69 394.69 477.05 20.87 -6.31
12
Other Expenditure (Rs. in Crores)
Particulars
Q- 2
(17-18)
Q- 3
(17-18)
Q- 4
(17-18)
Q- 1
(18-19)
Q- 2
(18-19)
Growth
(%)
(Q-o-Q)
Growth
(%)
(Y-o-Y)
Establishment
Expense 370.19 391.08 567.78 438.18 490.85 12.02 32.59
Rent , Taxes &
Lighting 38.76 39.91 42.83 34.53 41.29 19.58 6.53
Printing &
Stationery 5.56 4.64 6.03 5.03 5.25 4.37 -5.58
Depreciation 29.50 32.35 32.10 29.47 29.05 -1.43 -1.53
Service
charges 49.74 58.48 61.30 47.79 65.30 36.64 31.28
Insurance 40.33 43.86 39.75 42.62 37.50 -12.01 -7.02
Others 65.37 74.45 78.53 59.60 44.04 -26.11 -32.63
Total 599.45 644.77 828.32 657.22 713.28 8.53 18.99
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Provisions & Contingencies (Rs. in Crores)
Particulars
Q- 2
(17-18)
Q- 3
(17-18)
Q- 4
(17-18)
Q- 1
(18-19)
Q- 2
(18-19)
Growth
(%)
(Q-o-Q)
Growth
(%)
(Y-o-Y)
Provisions for
NPA 876 964 1333 698 1097 57.16 25.23
Provisions for
NPI 19 20 301 84 187 122.62 884.21
Depreciation on
Investments -10 189 -39 161 186 15.53 -1960
Deferred Tax
Asset -122 -255 -991 -154 -392 154.55 221.31
Others -132 -99 -210 -118 11 -109.32 -108.33
Total 631 819 394 671 1089 62.30 72.58
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Productivity Ratios
*Annualised Sept’17 Dec’17
Mar’18
Jun’18
Sept’18
Business Per Employee
(Rs/Cr.) 13.25 13.25 13.22 13.29 13.59
Business Per Branch
(Rs/Cr.) 94.79 94.23 96.27 95.32 95.82
Gross Profit Per Employee
(Rs/ Lac)* 9.69 8.13 6.91 7.77 6.78
Gross Profit Per Branch
(Rs/ Lac)* 68.84 57.50 49.78 55.35 47.50
15
Asset Quality (Rs. in Crores)
Particulars Sept’17 Dec’17
Mar’18
Jun’18
Sept’18
Gross NPA 12893 13721 16552 15169 15163
Gross NPA ( %) 18.80 20.10 24.10 22.73 22.69
Net NPA 7280 7365 10316 9233 8658
Net NPA Ratio (%) 11.63 11.96 16.49 15.17 14.36
PCR (%) 57.41 59.11 53.48 56.91 60.10
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Composition of Gross NPA (Rs. in Crores)
Particulars Sept’17 Dec’17
Mar’18
Jun’18 Sept’18
Substandard Assets
1881 1900 4776 3703 2583
Doubtful Assets 10783 11710 11732 11349 12533
Loss Assets 229 111 44 117 47
Gross NPA 12893 13721 16552 15169 15163
17
Movement of NPA (Rs. in Crores)
Particulars
Q- 2
(2017-18)
Q- 3
(2017-18)
Q- 4
(2017-18)
Q- 1
(2018-19)
Q- 2
(2018-19)
(A) Opening GNPA 12165 12893 13721 16552 15169
(B) Addition/ Fresh Slippage:
1079 1125 4733 547 774
(C ) Reduction 351 297 1902 1930 780
a. Cash Recovery/ Upgradation
137 89 273 265 159
b. Sale to ARCs 73 22 226 0 0 c. Resolution through NCLT
0 0 0 957 266
d. Write off (OTS) 18 29 41 69 26
e. Write off (Tech) 123 157 1362 639 329
(D) Closing GNPA 12893 13721 16552 15169 15163
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Capital Adequacy (Basel III) (Rs. in Crores)
Particulars Sept’17
Dec’17
Mar’18 Jun’18 Sept’18 Minimum Regulatory
Requirement
Tier - I 5460 5009 6271 4793 3407
Common Equity
(inclusive of CCB)
5115 4069 5331 4793 3407
Additional Tier I
(AT 1)
345 940 940 0 0
Tier II 1859 2107 1748 1731 1170
Total 7319 7116 8019 6524 4577
RWA 68394 64812 63543 59535 58493
CRAR (%age) 10.70 10.98 12.62 10.96 7.82 10.875
Tier I 7.98 7.73 9.87 8.05 5.82 7.00
CET+CCB 7.48 6.28 8.39 8.05 5.82 7.375
Additional Tier -1 0.50 1.45 1.48 0.00 0.00
Tier -II 2.72 3.25 2.75 2.91 2.00
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Branch Channel
27.95 %
eMode (ADC
Transactions)
72.05 %
Branch Transaction vis-à-vis eMode Transactions
20
Bank has sponsored 4 RRBs, Bangiya Gramin Vikash Bank (West
Bengal), Assam Gramin Vikash Bank (Assam), Tripura Gramin
Bank (Tripura) and Manipur Rural Bank (Manipur).
Combined branch network of the sponsored RRBs is 1168 with a
combined business of Rs.41797 crore as on 30.09.2018.
All the branches of the RRBs are CBS enabled.
Regional Rural Banks
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