$tr* ffi

{Frfiq qrqhfrq-mffir
Ho/Finonce/Shore/

vSN

uCffiffiANK
Honout"s Your Trust

1201 6-17

The Monoger
Listing Deportment

Bombcry Stock Exchonge Ltd.,

Notionol Stock Exchonge of lndio Ltd.

"Exchonge Plozo"
Bondro-Kurlo Complex, Bondro (E)
Mumboi - 400 051

Pheroj Jeejee bhoY Tori,vers

Dclol Street, Munnbci - 400 001

Deor

Sir,

Sub: Reviwed Finqnciol Resutts for lhe third quorter ended 31.12.2016.

****

The Reviwed FinonCiol Results for the third quorter ended 31.12.2016 were cpprCIvec
by:the Boqrd of Directors qt its meeting held on 3,l.0,l.20]7. A copy of the opproved
finonciol results is enclosed. The meeting of the Boord of Directors commenced at
P M qnd concludeo
4'50 r u.
1

ot

ry

Thonking you,

Yours foithfully

\ry,/
*1
I*ACHAD
COMPANY SECRETARY
Enclo: As obove

trcO g.rt , Finance Department, Head Offrce,

phone::44557i27,44557221

3'd Floor, 02, India Exchange Place, Kolkata - 700

Fax:033 22485625 E-mail: hosgr.calcutta(@ucobank.co.in
:

001

UOO BANK
Website : www.ucobank.com

tlead Office : 1O, B"T.M.Sarani, Kolkata '7OO OOI

REVIEVIED TINANCIAL RESI'LTS FOR THE QUARTER AITD NINE ItrONTHS ENDED 31ST DECEUBER' 2015
SL

Interest Earned {a}+(b}+(cl+(d}

{a}

Interest/discount on advances

bills

(c) Interest on balances

with R.B.l & other inter-bank funds

(dl Others
2

Other Income

3 Total Income

(1+2)

4 Interest Expended
5 Operating Drpenses (if + (ii!
(i) Employees Cost
(ii) Other Operating Expenses (All items exceeding

LOo/o

of the total

expenditure excluding interest expenditure may be shown seperately)

6 Total Expenditure (4+5) (excluding Provlgrons ancl Conting
7

Operating Profit (Before Ptouisio.r"

4L9247

43.2945

457727

L27LL56

L420,329

1856097

257236

265573

293213

772478

965656

t229345

408981

566294

1063

152847

149r44

447783

t1246

s038

5995

24239

9742

9487

9375

27456

28272

36812

LA2L99

120851

159631

14

[b] Income on investments

"td

Cortirg.."i.

of which provision s for Non-perforlql4g,as Wle

67L74

61196

48642L

494L4t

493'463

1453355

1s41 180

20L5728

32167r

308318

344938

950408

1028838

1371295

284094
183531

75854

7502r

73998

22223,9

208770

47656

47847

48859

144244

135551

28198

27174

25139

77989

397s25

383339

418936

Lt7264L

88896

110802

74527

2AO7L4

148834

236084

9t432

98003

Exceptional Items

10 profit(+)/toss(-l from ordinary Activities before tax (7-8-91

15 Paid-up Equitv Share Capital (Face Value Rs'

10/'eachl

L237608

1655389

30,3572

360339

406489

40,3.767

638255

186459

283708

333951

629934

-t25775

-100195

-2779t6

-38032

-161557

451

-11856

473

-43709

-38483

-L4970L

-L26248

-43709

-38483

-L4970L

-L?.6248

-108411

155973

130106

107559

155973

107559

107559

1086364

814571

814571

20,a9

8216

-279925

-108411

-27992s

814571

1086364

76.67%l

77.54o/ol

72.83'Q/ol

?6,6?%\

?2.8g%l

1O.26"/rl

e.68%l

10.s4%l

rc.26r/rl

10.s4%l

7.60r,'rl

7.52r/rl

0 60%l

0.11%l

814571

16 Resenres excluding Revaluation Reserves

100563

13 Extraordinary items {net of tax expense}

L4 Net Profitl+l/Loss (-l for the period (12-13)

3219

-43709

11 Provision for Taxes

t2 Net Profit[+]/Loss[-l from Ordinary e

23646

t7 420

35736

132605

(other than taxf and Conti4gencies

I Provisions

(Auditedf

(Reviewedf

(Reviewed!

(Reviewed)

(Reviewed)

(Reviewed)
1

31.O3.2016

3L.L2.20L6 30.09.2016 31.12.2015 :.dL,L2.2ot6 31.12.2015

No.

ln Lakh

Year Ended

Nine Months Ended

Quarter Ended

Particulars

fAs ner Balance Sheet of previous accounting year)

L7 Anatytical Ratios
{i} Percentage of shares held by Govt. of India
(ii) Capital Adequacy Ratio: Basel'III

i
i
I
[
I

trt Common Equity Tier-l Ratio

7.6OVrl

7.6SV,l

7.se%l

tut Additiorial Tier-l Ratio

0.60%l

o oo%l

Ut Basic and diluted EPS after Extraordinary items for the period,

lfor the year to date and for the previous year.

I

I
I
I

I
I

-, ,ul

,2

-2

e01

e61

22L8126

a) Amount of Gross NPA

o/o

1054498

Net NPA

I *t of
I d) o/o of Net NPA
Itut Return on Assets

17,t80/o

Gross NPA

-rral

(iv) NPA Ratios

Un*ount of

8.99%
(Annualised)

(7e)

9.63o/ol

tii,t Earning Per Share {BPS} (in Rs.} (Not Annualised)

Basic and diluted EPS before Extraordinary items {net of tax
"t
lexpense) for the period, for the year to date and for the previous year.
I

1o%l

72.83o/ol

-o.77%

2227s51

113"1
I
13 e21

ll

I
1089043 I
16.51o/o

8.83%
-O.72Yo

-9,44:|

:11

-26

-e

-10.081

-26.031

441

031

roosrso

22tBL26

14e31801
I

s+ooso

to.

s*o/o

I u. sr%
Ls6%

1054498

8409501

2A90773
I 144359

t7.t8%

10.98%

8.99%

6.5lo/o

9.A9o/o

-A.77o1o

-0.63%

-1.254/o

t5.43o/o

SEGMENT REPORTING AS ON 31ST DECEMBER, 2016

PART:

BUSINESS SBGMENTS

Year Ended

31.03.2016

31.12.2016 30.09.2016 31.12.2015 3^L.L2.2oL6 31.12.2015

Segment Revenue
i) Treasury Operations

ii) Corporate Banking OPerations

2t9255

216142

191935

634546

532946

729664

169238

179678

88660

518083

633766

803230

297724

370800

477852

iv) Other Banking OPerations

Total Revenue

tll77 |

97344

9702'.2

iii) Retail Banking OPerations

906

10 17

LA97

3002

3668

4982

4A6+2L

494L4L

493463

1453355

1s411801

20L5728

49262

251799

rc9744

142209

100381

t367 L4

59819

76434
4982

Segment Results
1

i) Treasury OPerations

0067

ii) Corporate Banking OPerations

5227

15071

15725

iii) Retail Banking OPerations

3887

9497

10188

iiv) Other Banking OPerations

1017

to97

3002

3668

10802

74527

2AO7L4

303s72

Total (Operating Profitt

148834

236084

406489

403767

-43709

-38032

-161557

-L25775

-100195

451

1856

473

8216

-43709

-38483

-t497AL

-L26244

-108411

r0899663

10s60006

I t27 5426

10899663

1t275426

8080877

837 1282

8426847

8080877

8426847

8216679

46:22929

4984341

4948608

L,ess: Other Un-allocable Expenditure

Prolit Before Tax

Provision for Tax
Net Profit

-1

isegment Assets
i) Treasury Operations

ii) Corporate Banking OPerations

tL29 1 365

iii) Retail Banking OPerations

4622929

4792674

498434t

iv) Other Banking OPerations

23764

24189

29536

23764

29536

31601

296272A9

23748151

247L6L5o

2962729s

247L616o^

2448,8263

9132772

8534149

9437415

9t32772

9437 415

9550897

921991

96093 I 0

9322657

5274550

5678425

5614699

247L6L5o

24488253

Total Assets

Segment Liabilities
i) Treasury Operations

ii) Corporate Banking OPerations

921991

9674956

9600310

iii) Retaii Banking OPerations

5274554

5539046

s678425

23]62723,3

23748L5L

247L615'o

iv) Other Banking OPerations

PART : B

o
23,62723U^

GEOGRAPHICAL SEGMENTS
Year Ended

3L.t2.2oL6 30.o9.2016 31.12.2()15 3^L.L2.20t6 31.12.2015

(Reviewed)

470201
21207685

486421
23627233

*ffi

{#6J'1\N;r4'\1{-\

r*:):
urw

i{ri}

(Reviewed!

478762

(Reviewed)

478730

(ReviewedI

1405347
21207685

(Reviewed)

31.09.2016
(Auditedf

t499LO4

1959663

22162214

22t96364

2t3LLl94

22162214

15379

14733

42A76

2436957

2553936

25s3936

494141

493463

1541180

2At5728

247 16150

t6t50

24488253

23748r5r

247

Notes:

1'

The obove finonciol

*?ru, revjewed by the.Audit

qnd opproved byresults
the Boqrd of oirectJri' ot theircommittee of Boord

meeting herd on
ro- p"*u"" ,rtrl"t"o i"iirit"i"t*iew
by the
i[L,l?rffi}fllll:,,"" or t" slnr i.ji,i" *i1., tu g;io.ri""., issued by
3rsrJonuory,2or7.The

2'

The Bonk hos followed the

some occounting poricies in preporotion
of these
in rhe
rinqnciJ
ror the

X::l1i:T:,I,T#:;: ;Si,:"d
3'

;il;

;il[il"nrc

outstqnding/unmotched items in
lnier Bronch Accounts up to 31.12.2016
hove resuried in net credit ooton""
oi nr. tz.ii' crore (Rs.2s.62 crore) which
hos been included under Other
Liobilities.

4. The provision for Non_performing

Stondord Assets /Diminution in Assets / Non performing lnvestments /

loir Vofue,oI'asrets../Unhedged foreign
ot o' i"i'prudentioi;;;;i directiv-es
;"JLffil

F:?:;'J?:ff ffi;ffiniveJ

5' Depreciotion on Fixed Assets, hqs been

mode on on estimoted ond
proportionote bosis ond ore
subject t;;djrffient, if ony, oi
the yeor end
ofter toking into
considerotion flre irpotioi'reviseo
Accounting stondord
property, ptont
a rquipmeni.
Defened
rtx
Liobitit/
'provision
7 eri"iore being
reckoned on onnuor bosis.
r"i Erptyee Benefits viz. pension,
grotuity, reqve encoshment
hos guul
"rrrt octuorior voruotion ond
for LFC/LTC' sick leove etc'
on estimoted 6"rit
provision for income tox
considered necessory in view of
is
loss.
ASl0

,"o".jlfer

5'

During the quorler' Bonk hos

rqised copitol funds by woy
of issue of Bosel lll
Tier I bonds to tre tun"
crores
or
"ii'.zso

;t;;rpon

ilBJlT,.:::[';:'r

7' During the quorter, Bonk oilotted_

1,g,69,72,255 equity shores

on preferentior
bqsis to Government of rndio
gt^.qt_o]r"
of
;ri"" Rs.4r.45 per shore
determined in-qccordonce wittr
sret rcon nlgI,iiti"lr 2009 ogoinst
contribution of Rs.ZZS crore. gonk
copitor
prefereniiql bosis to Life tnsuronce olso Jr"tt"jlj r,OO,OOO equity shores on
corporotion or rnoio qt on issue price
Rs.37.74 per shore determined
of
in occoiJ;;;;irift, srst rcDR
Regurotions
2009 ogoinst copitolcontribuiion
of Rs.220.59 Crore.

8' Bosed on the

doto, ovoirobre finonciqr stoiemenis

-ovoirobre
decrorotion from
ond the
borowers*hlruu", received, the Bonk
hos estimqted the
liobirity of Rs. 30.g1 rocs os
on-sr .12.2010 on-unr..'.dged Foreign
cunency
Exposure

DBOD. No.B

p.

to- their constituents in terms of

RBI Circulor
BC.85/ 21 6.200/ iol s.
ooteo

estimoted omount

rzjrjis}^-

,{/r$)':, - '
l, {o
iiio i"

t".

.0

is

1+
fully prouLuO for.

t st-tr' .rqn u

ory

2014. The enrire

9.

ln occordonce with RBr circulor DBOD No.Bp.BC/ 2/2r .05.201

/2015-1 6 dqted
1st Ju|y,2015, bonks ore required to moke Pillor3 disclosures
underBosel lll
Copitol requirements. The disclosures ore being mode ovoiloble on
our
website. These disclosures hove not been subjectJd to Limited
Review.

l0.The Non Performing Loon Provisioning Coveroge Rotio is

3lst December,2016.

6a.40%

os on

l. Number of investor comproints:- (i) outstonding of the beginning of the

quorter- Nil (ii) Received during the quorter - 238 (iii) Disposei of dJring
the
quorter-238 ond outstonding of the end of the quorter-Nil.
of the previous periods hove been regrouped / reclossified wherever
necessqry. The brocketed figures indicote corresponding previous period

12. Figures

figures.

(G Subromonio tyer)

Executive Director

Dote:

31.0 1.2017

Ploce: Kolkoto

Monoging Director & CEO