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3

Movement of business parameters [ Amt. in Rs. Crore except otherwise mentioned]

Performance Highlights

Quarter Ended

PARAMETERS 31 Dec'2016 31 Mar'2016 31 Dec'2015 Change (%)Dec'16/ Dec'15

Total Deposits 209572 207118 213563 (-) 1.87Total Advances 129088 135508 135947 (- ) 5.05Total Income 4864 4745 4935 (-) 1.44Net Interest Income 976 933 1128 (-) 13.48Operating Profit 889 568 745 19.33Provisions 1326 2283 2242 (-)40.86Net Profit (-) 437 (-) 1715 (-) 1497 70.81Gross NPA (` in Cr.) 22181 20908 14932 48.55Gross NPA % 17.18 15.43 10.98 -Net NPA (` in Cr.) 10545 11444 8410 25.39Net NPA % 8.99 9.09 6.51 -CASA (Domestic) (%) 32.78 31.68 30.05 -Cost to income (%) 46.04 57.02 49.82 -ROA (%) (-) 0.77 (-) 3.00 (-) 2.56 -NIM (Global ) (%) 1.72 1.63 1.93 -NIM (Domestic) (%) 1.79 1.70 2.05 -Provision Coverage Ratio (%) 60.40 53.87 55.40 -Book Value per share (`) 63.74 111.35 101.47 (-) 37.18

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5

Deposit components [ Amt. in Rs. Crore ]

Parameters As on 31-Dec'16

As on31-Mar'16

As on 31-Dec‘15

A) Deposit (Domestic)(i+ii+iii)

192358 190885 194628

Current 9928 20028 20256

Savings 53125 40438 38235i. CASA 63053 60466 58491

Share of CASA (%) 32.78 % 31.68% 30.05%ii. Normal Term Deposit (< Rs. 1 Cr) 85846 79066 77788

iii. Bulk Deposit (>= Rs. 1 Cr)+ CD 43449 51353 57954

B) Deposit (Overseas) 17214 16233 18935

C)Total Deposit (Global) 209572 207118 213563

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CASA movements (Domestic)[ Amt. in Rs. Crore ]

Parameters

As on

31-Dec'16 31-Mar'16 31-Dec'15

CASARs. Crore 63053 60466 58491

% of Dom.Dep. 32.78 % 31.68 % 30.05 %

CA Rs. Crore 9928 20028 20256

% of Dom.Dep. 5.16 % 10.49 % 10.41 %

SA Rs. Crore 53125 40438 38235

% of Dom.Dep. 27.62 % 21.19 % 19.64 %

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[ Amt. in Rs. Crore ]Retail Business

Deposits, Advances & Investments

Position as on 31-12-2015 Position as on 31-03-2016Scheme

Position as on 31-12-2016

A/c Amount A/c Amount A/c Amount

100094 12579 100342 13060 UCO Home 101495 13089

29320 1699 29444 1525 UCO Car 28823 1219

54762 1371 54301 1373 UCO Education 52793 1354

43921 470 42710 463 UCO Cash 38681 414

152692 4265 161580 4413 Other Retail Schemes 178774 4267

380789 20384 388377 20834 Total Retail 400566 20343

Gross Advances

ParticularsAs on

31.12.2015As on

31.03.2016As on

30.06.2016As on

30.09.2016As on

31.12.2016Bills Purchased & Discounted 21535.57 20713.50 23312.19 23723.42 20638.37Cash Credit, Overdraft and Loans repayable on Demand 37081.42 42156.48 38221.94 40082.91 36276.33

Term Loan 77330.44 72638.15 69913.77 71136.33 72173.56

Total 135947.43 135508.13 131447.90 134942.66 129088.26

[ Amts. in Rs. Crore ]

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[ Amts. in Rs. Crore ]

Investment Portfolio as on 31-12-2016

Deposits, Advances & Investments

Portfolio Amount INR Crore % to NDTL Investment in SLR (G Sec)

• HFT • AFS 27631 14.24• HTM 36946 19.04

Sub Total (Investment in SLR) 64577 33.28Investment in Non - SLR

• HFT • AFS 5222 2.69• HTM 7020 3.62

Sub Total (Investment in Non - SLR) 12242 6.31

Gross Total (SLR + Non-SLR) 76819 39.59

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[ Amt. in Rs. Crore ]

Deposits, Advances & Investments

Bank Priority Sector Lending Position

Sl. Outstanding

as on 31-12-2015

Outstanding as on

31-03-2016

As on 31-12-2016 Variation Dec'16/Dec'15

Outstanding % of ANBC (Absolute) (%)

1 PRIORITY SECTOR

Lending excldng. Pool 49813 48779 45105Pool Assets 1586 2038 1856IBPC -- 403 --RIDF+SIDBI+NHB 4884 4728 6499

TOTAL 56283 55948 53460 41.41 (-)2823 (-)5.02

2 TOTAL AGRICULTU

RE

Lending excldng. pool 15234 15276 13506Pool Assets 79 397 65IBPC -- 293 --RIDF 3770 3627 5399

TOTAL 19083 19593 18970 14.69 (-)113 (-)0.59

aDIRECT

AGRICULTURE

Lending excldng. pool 12195 12479 11144Pool Assets -- -- --IBPC -- 293 --

TOTAL 12195 12772 11144 8.63 (-)1051 (-)8.62

bINDIRECT

AGRICULTURE

Lending excldng. pool 3039 2797 2362Pool Assets 79 397 65IBPC -- -- --RIDF 3770 3627 5399

TOTAL 6888 6821 7826 938 13.62

3 MSME

Lending excldng. Pool 26103 24815 23945Pool Assets 794 609 611IBPC -- 110 --SIDBI 436 401 400

TOTAL 27333 25935 24956 (-)2377 (-)8.70

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12Financials & performance indicators

Income, Expenditure & Profit (Global)[ Amt. in Rs. Crore]

During Change During Change

Q3 FY'17 Q3FY'16 Amt. % Apr-Dec FY'17

Apr-DecFY'16 Amt. %

I)Total Income (a+b) : 4864 4935 (-)71 (-)1.44 14533 15412 (-)879 (-)5.70

a)Interest Income 4192 4577 (-)385 (-)8.41 12711 14203 (-)1492 (-)10.50

Interest on Advances 2572 2932 (-)360 (-)12.28 7721 9656 (-)1935 (-)20.04

Income on Investments 1411 1491 (-)80 (-)5.37 4478 4090 388 9.49

Other Interest Income 209 154 55 35.71 512 457 55 12.04

b)Other Income 672 358 314 87.71 1822 1209 613 50.70

II)Total Expenses 3975 4190 (-)215 (-)5.13 11726 12376 (-)650 (-)5.25

Interest Paid 3217 3449 (-)232 (-)6.73 9504 10288 (-)784 (-)7.62

Operating Expenses 758 741 17 2.29 2222 2088 134 6.42

III)Operating Profit (I-II): 889 745 144 19.33 2807 3036 (-)229 (-)7.54

IV)Provisions 1326 2242 (-)916 (-)40.86 4069 4120 (-)51 (-)1.24

V)Net Profit (III-IV) : (-)437 (-)1497 1060 70.81 (-)1262 (-)1084 (-)178 (-)16.42

Net Interest Income 976 1128 (-)152 (-)13.48 3207 3915 (-)708 (-)18.08

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Ratio Analysis

Financials & performance indicators

During During

Q3 FY'17 Q3FY'16 Apr-Dec FY'17 Apr-DecFY'16

Cost of Deposit (%) 5.75 6.13 5.86 6.13

Yield on Performing Advances (%) 9.46 9.48 9.49 9.97

Yield on Investment (%) 7.86 7.84 8.22 7.89

Net Interest Margin Global (%) 1.72 1.93 1.95 2.29

Net Interest Margin Domestic (%) 1.79 2.05 2.04 2.42

Cost to Income Ratio (%) 46.04 49.82 44.19 40.75

GNPA (%) 17.18 10.98 17.18 10.98

NNPA (%) 8.99 6.51 8.99 6.51

NPA Provision Coverage (%) 60.40 55.40 60.40 55.40

CRAR (Basel-III) (%) 10.26 10.54 10.26 10.54

14Financials & performance indicators

Profitability Indicators

During During

Q3 FY'17 Q3FY'16 Apr-Dec FY'17 Apr-Dec FY'16

Return on Assets (%) (-)0.77 (-)2.56 (-)0.77 (-)0.63

Return on Equity (%) (-)18.24 (-)53.19 (-)18.42 (-)12.84

Book Value per Share (Rs.) 63.74 101.47 63.74 101.47

Earnings per Share (Rs.) (-)2.90 (-)13.92 (-)9.44 (-)10.08

Net Worth (Absolute) excl. revaluation reserve 9503 10500 9503 10500

Operating Profit to AWF (%) 1.56 1.27 1.71 1.77

Net-interest income to AWF (%) 1.72 1.93 1.95 2.29

Non-interest income to AWF (%) 1.18 0.61 1.11 0.71

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Capital Adequacy[ Amt. in Rs. Crore]

Financials & performance indicators

PARAMETERS 31-12-2016 31-03-2016 31-12-2015Credit Risk 95953.44 98067.79 99599.88

Market Risk 16112.19 19178.98 22320.61

Operational Risk 13279.75 12702.33 12702.33

Total Risk Weighted Assets 125345.38 129949.10 134622.82

Tier I Capital Fund 10275.69 9915.83 10347.47

Tier II Capital Fund 2582.04 2598.98 3834.22Total Capital Fund 12857.73 12514.81 14181.69

BASEL - III

CET 1 (%) 7.60 7.52 7.59

Tier I (%) 8.20 7.63 7.69

Tier II (%) 2.06 2.00 2.85Capital Adequacy Ratio (%) 10.26 9.63 10.54

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Restructured Standard Assets

Q3FY’17 Details Amt.(Cr.)

Total Restructured Assets as on 01 Oct 2016 5560.83Add: Standard Accounts restructured during Q3FY’17 403.63Less: Total Standard Restructured accounts closed during Q3FY’17 57.52Add: Increase/Decrease in O/s balance 92.70Less: Standard Restructured Slipped to NPA 153.38Total Standard Restructured as on 30 Dec’2016 5846.26% age of Restructured Advances to Total Loans and Advances as on 31/12 2016 4.51

Financials & performance indicators

17Financials & performance indicators

As on 31-12-2015 As on 31-03-2016 Industry As on 31-12-2016

2020.02 2080.04 Power and Distribution 2693.491195.23 1237.64 Infrastructure 1257.12

2686.93 1243.15 Iron and Steel 1412.260.00 0.00 Aviation 0.000.00 0.00 Information technology 0.00

1616.91 789.61 Others 483.397519.09 5350.44 Total 5846.26

Industry wise break-up of Restructured Standard assets

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Movement of NPA Q-o-Q[ Amt. in Rs. Crore ]

Parameters As on / during the

QE Dec'15 As on / during the

QE Mar'16 As on / during the QE Dec'16

Gross NPA (Opening Balance at thebeginning of Qtr) 12226.66 14931.80 22275.51

Fresh Slippage (during the Qtr) 4018.08 7795.01 1713.99Recovery + Up gradation 353.75 1647.04 1155.22

Write off 959.19 172.04 653.02Gross NPA (Amt.) 14931.80 20907.73 22181.26Gross NPA (%) 10.98 15.43 17.18

Net NPA (Amt.) 8409.50 11443.59 10544.98

Net NPA (%) 6.51 9.09 8.99

Financials & performance indicators

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Sector wise NPAs (Domestic) [ Amt. in Rs. Crore ]

Parameters As on / during the QE Dec'16 Mar'16 Dec'15

1 Agriculture & Allied Activities 1902.39 1650.84 1503.37

2 Micro & Small Industries 1774.97 1639.14 1521.81

3 Medium Industries 925.06 1146.08 1290.75

4 Large Industries 13665.77 11817.96 7691.27

5 Services 1075.08 2079.16 1269.18

6 Retail 1618.34 1481.64 943.55

7 All Others 361.16 291.13 184.98

Total 21322.77 20105.95 14404.91

Financials & performance indicators

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Performance towards Financial Inclusion

Major Initiatives

Initiatives During Q3 FY17 Cum. as on 31.12.2016Villages covered with > 2000 population (a) 0 1816

through Branches 0 378through BCs 0 1438

Villages covered with < 2000 population (b) 0 16345through Branches 0 35

through BCs 0 14310Total no. of villages covered (a) + (b) 0 17783

Total no. of No frill accounts opened (In lakh) 2.92 99.28

No. of Smart card issued (In lakh) ……. 16.20

No. of transactions in the a/cs opened under ICT based BC model during the year (in lakh)

5.45 62.45

No. of KCCs extended (In lakh) 0.94 7.02No. of GCCs extended (In lakh) 0.03 0.48No. of all other Deposit accts (In lakh) 1.52 251.53No. of all other Advance accts (In lakh) 0.75 15.03No. of SHGs credit linked 606 92040No. of JLGs credit linked 98 532

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