UCO Bank (UCOBANK) investor relations material

Executive summary

• Business grew 14.95% year-over-year, reaching ₹590,314 Cr as of March 2026, with gross advances up 19.44% and deposits up 11.59%.

• Net profit for FY 2025-26 rose 13.21% year-over-year to ₹2,768 Cr; Q4 net profit up 22% year-over-year.

• Asset quality improved: gross NPA reduced to 2.17% (down 52 bps), net NPA to 0.27% (down 23 bps), and PCR rose to 97.79%.

• Digital transformation initiatives led to digital advances up 8.5x YoY, sharp rise in digital account openings, and significant customer engagement.

• Audited financial results for FY 2025-26 were approved, with a recommended dividend of ₹0.44 per share, subject to shareholder approval.

Financial highlights

• Net Interest Income for FY 2025-26 increased 5.89% YoY to ₹10,197 Cr.

• Operating profit for FY 2025-26 was ₹6,429 Cr, up 6.49% YoY.

• Net profit for FY 2025-26 stood at ₹2,76,786 lakh, compared to ₹2,44,496 lakh in FY 2024-25.

• Cost-to-income ratio improved to 52.66%-52.92%.

• Return on Assets (annualized) increased to 0.87%; Return on Equity at 12.26%.

Outlook and guidance

• FY 2026-27 guidance: deposit growth 10%-12%, credit growth 12%-14%, CASA 37%-38%, RAM 62%-65%, CD ratio 80%-82%.

• Credit cost guidance below 0.75%, NIM global 2.8%-2.9%, gross NPA below 2%, net NPA below 0.2%.

• Recovery and upgradation target INR 2,000-2,500 crore.

• Plans to raise capital through equity and bonds in FY 2026-27 to support growth and regulatory requirements.

• Dividend payout proposed, reflecting confidence in sustained profitability.