| Management target | Revenue 14.0% FY27 |
|---|
| Revenue growth | Global Advances grew 21.18% YoY; NII grew 16.86% YoY. |
|---|---|
| Margins | Global NIM at 3.05% vs 2.8-2.9% guidance. |
| Demand visibility | Strong RAM segment growth at 25.27% YoY. |
| Management confidence | High, exceeding credit and NIM guidance in Q1. |
Growth
Global Business grew 15.53% YoY to ₹6.05 lakh Cr; Global Advances rose 21.18%. NII increased 16.86% YoY.
Outlook
FY27 guidance: Deposit growth 10-12%, Credit growth 12-14%, NIM 2.8-2.9%, and NNPA below 0.20%.
Risks
Gross NPA at 2.08% slightly above 2.00% target; slippage ratio at 0.63%.
Last quarter's promises, checked
Delivered
- Credit growth 12-14% → delivered 21.18% (= BEAT)
- NIM Global 2.8-2.9% → delivered 3.05% (= BEAT)
- CASA 37-38% → delivered 38.62% (= BEAT)
Partly delivered
- Deposit growth 10-12% → delivered 11.46% (= PARTIAL)
Missed
- Gross NPA <2% → delivered 2.08% (= MISS)
Investor Presentation filed with NSE, NSE: UCOBANK. Summary written with AI assistance from the document.
UCO Bank: key numbers
- Share price
- ₹23.90
- Market cap
- ₹29,970 Cr
- Revenue (annual)
- ₹26,281 Cr
- Net profit (annual)
- ₹2,768 Cr
- P/E (TTM)
- 10.6×Sector 22.0×
- Promoter holding
- 90.95%+0.00% QoQ
- FII holding
- 0.06%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from UCO Bank
All →UCO Bank Management Change
UCO Bank announced the tenure extension of Executive Director Shri Vijaykumar Nivrutti Kamble until 31st March 2027, or until further orders.
UCO Bank Adverse Business Impact
UCO Bank disclosed a UFBU strike notice for September–October 2026 that may affect branch operations. The bank has taken steps to ensure continuity.
UCO Bank Other Announcement
UCO Bank revised its TBLR (6M/12M) and G-Sec linked rates effective 07 Sep 2026. MCLR, Base Rate and BPLR remain unchanged.
UCO Bank Earnings Call Transcript: Key Takeaways
UCO Bank Q1 FY27 results show robust credit growth of 21.18% and Operating Profit growth of 79.8%, supported by recovery from technical write-offs and RAM sector expansion.
- Call
- Guides 14% growth
UCO Bank Q1 FY27 Results: Net Profit ₹656.3 Cr, Up 8.1% YoY
UCO Bank reported revenue from operations of ₹6,996 Cr (+8.7% YoY) and net profit of ₹656.3 Cr (+8.1% YoY) for Q1 FY27.
- Key figure
- Net profit ₹656.3 Cr · +8.1% YoY
UCO Bank Earnings Call: Key Takeaways
UCO Bank delivered strong Q4 FY26 results with a 22% YoY net profit growth to ₹801 crore and improved asset quality (Net NPA at 0.27%). Strategy focuses on RAM segment growth and digital transformation.