ALFA Finder| 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
- ₹24.84
- Market cap
- ₹31,148 Cr
- Revenue (annual)
- ₹26,281 Cr
- Net profit (annual)
- ₹2,768 Cr
- P/E (TTM)
- 10.4×Sector 21.0×
- 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 Other Announcement
UCO Bank revised its MCLR, TBLR and G-Sec linked benchmark rates effective 7 November 2026. Base rate, BPLR and repo-linked rates remain unchanged.
UCO Bank Credit Rating
UCO Bank disclosed S&P Global Ratings assigning it a BBB long-term and A-2 short-term issuer rating, with a stable outlook. The rating rationale dated November 4, 2026 is enclosed.
UCO Bank Management Change
UCO Bank's Central Government nominated Shri Mohamed Ashraf J S as a director, replacing Shri Hari Har Mishra, effective 23 October 2026. The filing gives the appointment details and confirms no SEBI debarment.
UCO Bank Results Update
UCO Bank reported Q2 FY27 net profit of Rs.786 Crore, up 26.77% Y-o-Y. Total business grew 18.81% Y-o-Y to Rs.6,37,280 Crore with NPA at 1.96%.
UCO Bank Investor Presentation: Key Takeaways
UCO Bank reported strong Q2 FY27 performance with Net Profit rising 26.77% YoY to ₹786 Cr. Focus remains on RAM segment growth and improving asset quality with NNPA at 0.18%.
- Call
- Guides 14% growth
UCO Bank Q2 FY27 Results: Net Profit ₹785.6 Cr, Up 26.8% YoY
UCO Bank reported revenue from operations of ₹7,286 Cr (+11.5% YoY) and net profit of ₹785.6 Cr (+26.8% YoY) for Q2 FY27.
- Key figure
- Net profit ₹785.6 Cr · +26.8% YoY