| Margins | NIM reached 3.05%; guidance remains conservative at 2.8-2.9%. |
|---|---|
| Order book | Advances reached Rs 2,72,768 Cr; Deposits reached Rs 3,32,315 Cr. |
| Demand visibility | Strong credit pipeline of Rs 15,000 Cr for disbursement. |
| Management confidence | High; citing strong pipeline and diversified RAM sector growth. |
Growth
Global advances grew 21.18% YoY; Net Profit rose 8% to Rs 656 Cr, impacted by one-time DTA charge.
Outlook
Guidance maintained: Credit growth 12-14%, NIM 2.8-2.9%, ROA targeting near 1% by FY27 end.
Risks
Normalization of recovery from written-off accounts may increase cost-to-income ratio; potential competition from private banks and NBFCs.
Last quarter's promises, checked
Delivered
- Credit growth 12-14% → delivered 19.44% (= BEAT)
- NIM Global 2.8-2.9% → delivered 3.03% (= BEAT)
- Gross NPA < 2.5% → delivered 2.17% (= BEAT)
Partly delivered
- CASA 37-38% → delivered 38.65% (= BEAT)
Missed
- Deposit growth 10-12% → delivered 11.59% (= BEAT)
- Net slippage ratio 1-1.25% → delivered 0.78% (= BEAT)
Earnings Call Transcript 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 Investor Presentation: Key Takeaways
UCO Bank reported strong Q1 FY27 results with Net Profit of ₹656 Cr, up 8.05% YoY. Operating Profit surged 79.84% to ₹2810 Cr, driven by healthy NII and low credit costs.
- 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.