Uco Bank · NSE:UCOBANK
Uco Bank — Q2 FY2025-26 Earnings Presentation
50 slides from Uco Bank's earnings presentation, Oct 17, 2025
Slide 1: Exchange filing cover letter
यूको बक UCO BANK स मान आपके िव ास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/167/2025-26 Date: 17.10.2025 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/1, G
Slide 2: UCO Bank Financial Results: September Q2/HY FY 2025-26
Slide 3: Overview
Overview Major Business Financials Highlights Performance Asset Capital & Business Business performance Quality Shareholding Network Digital ESG Products & Journey Intiatives Services Awards & Accolades व ीय प रणाम सत बर तमाह व ीय वष २०२५-२६ 2
Slide 4: Major Economic Highlights
Major Economic Highlights Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades India’s economic momentum remains resilient, with both industry and services sector sustaining str
Slide 5: Major Highlights
Major Highlights Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Business Deposit Savings Current ₹5,36,398Cr. ₹ 305697Cr. (Domestic) (Domestic) 13.23% (Y-Y) 10.85% (Y-Y) ₹95
Slide 6: Performance vs Guidance
Performance vs Guidance Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Actual for Guidance for Parameters Sep-25 FY 25-26 Deposit Growth (Y-O-Y) 10.85% 10-12% Credit Growth
Slide 7: Total Business
Total Business Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades 550000 Business Mix (₹ in Cr) Sep-24 Jun-25 Sep-25 Q-Q (%) Y-Y (%) 536398 523736 500000 513527 Global Business
Slide 8: Global Deposits
Global Deposits Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades 95080 90243 Particulars (₹ in Cr) Sep-24 Jun-25 Sep-25 Q-Q (%) Y-Y(%) 88447 1. Domestic Deposits 263915 280092
Slide 9: Domestic Advances
Domestic Advances Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Particulars Growth Growth Sep-24 Jun-25 Sep-25 (₹ in Cr) (Q-Q) % (Y-Y) % 27.05% 28.10% 28.94% Retail 1. Dome
Slide 10: Retail Mix
Retail Mix Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Sep-25 Particulars Growth Growth Sep-24 Jun-25 Sep-25 (₹ in Cr) (Q-Q) % (Y-Y) % 23.4% Home Loan 25421 28835 30235 4
Slide 11: Agriculture
Agriculture Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Agriculture (₹ in Cr) Sep-24 Jun-25 Sep-25 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 23631 26159 2
Slide 12: MSME Portfolio Mix
MSME Portfolio Mix Products Major Business Asset Capital & Business Digital ESG Awards & Financials & Highlights Performance Quality Shareholding Network Journey Initiatives Accolades Services TOTAL MICRO SMALL MEDIUM 42309Cr Q-Q 6.38% Y-Y 23.80% 17720 Cr 1245 Cr 23344 Cr (41.88%) (2.94%) 42309 Cr (
Slide 13: MSME Portfolio Mix
MSME Portfolio Mix Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades PMMY (₹ in Cr.) Sep-25 Qtr GECL (₹ in Cr.) Upto Sep 25 Qtr Amount Sanctioned 1482 Amount Sanctioned 3153 Am
Slide 14: Priority Sector Advances
Priority Sector Advances Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Segment (₹ in Cr) RBI Benchmark (%) Mandatory Target Achievement Achievement (%) Priority Sector 40.0
Slide 15: Financial Inclusion Growth
Financial Inclusion Growth Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades PMSBY (In Lakhs) PMJJBY (In Lakhs) APY Accounts (In Lakhs) Sept 2025 Qtr 74.54 27.25% 34.71% 32.68
Slide 16: Sectoral Credit-Advances (Dom.)
Sectoral Credit-Advances (Dom.) Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades % share to Total % share to Total % share to Total Sector (₹ in Cr.) 30.09.2024 30.06.2025 30.
Slide 17: Standard NBFC Advances
Standard NBFC Advances Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Standard NBFC (₹ in Cr.) 30.09.2024 30.06.2025 30.09.2025 % % % Domestic Overseas Global Domestic Overs
Slide 18: Rating Mix (of advances above ₹25 Cr)
Rating Mix (of advances above ₹25 Cr) Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Advances(Dom) Mix of Benchmark Rating Grade (₹ in Cr) Sep-24 % Share Jun-25 % Share Sep-
Slide 19: Investment Portfolio
Investment Portfolio Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Sl. P arameters (₹ in Cr) Sep-24 Jun-25 Sep-25 1 Domestic Investment 91715 91621 95113 a SLR 67186 67074
Slide 20: Profitability
Profitability Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Quarter Ended Growth Half Year Ended Growth Financial Year Sl. Parameters ( ₹ in Cr.) Sep-24 Jun-25 Sep-25 Q-Q (
Slide 21: Net Interest Income
Net Interest Income Business Major Asset Capital & Business Digital ESG Products & Awards & Performan Financials Highlights Quality Shareholding Network Journey Initiatives Services Accolades ce Quarter Ended Growth Half Year Ended Growth Financial Year Sl. Particulars ( ₹ in Cr.) Sep-24 Jun-25 Sep-
Slide 22: Non Interest Income
Non Interest Income Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Quarter Ended Growth Half Year Ended Growth FY Sl. Particulars ( ₹ in Cr.) Sep-24 Jun-25 Sep-25 Q-Q (%) Y-
Slide 23: Operating Expenses
Operating Expenses Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Quarter Ended Variation Half Year Ended Growth FY Sl. Particulars ( ₹ in Cr.) Sep-24 Jun-25 Sep-25 Q-Q (%)
Slide 24: Provision Details
Provision Details Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Quarter Ended Half Year Ended FY Sl. Particulars ( ₹ in Cr.) Sep-24 Jun-25 Sep-25 Sep-24 Sep-25 24-25 1 NPA
Slide 25: Key Financial Indicators
Key Financial Indicators Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Quarter Ended Half Year FY P articulars Sep-24 Jun-25 Sep-25 Sep-24 Sep-25 24-25 Cost of Deposits (%)
Slide 26: Key Financial Indicators (Qtr.)
Key Financial Indicators (Qtr.) Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Yield on Advance Global (%) Yield on Advance Domestic (%) Cost of Funds (%) 8.65 9.02 4.79 4.7
Slide 27: Efficiency Ratio (Qtr.)
Efficiency Ratio (Qtr.) Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades NIM Domestic ( %) NIM Global ( %) 3.17 3.38 3.10 3.30 2.99 3.22 2.96 3.18 2.90 3.08 Sep-24 Dec-24 Mar-
Slide 28: Productivity Ratio
Productivity Ratio Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Business Per Branch ( ₹ in Cr.) Business Per Employee ( ₹ in Cr.) 25 25 161 158 24 155 23 150 146 22 Sep-24
Slide 29: Balance Sheet
Balance Sheet Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades CAPITAL & LIABILITIES (₹ in Cr.) 30.09.2024 30.06.2025 30.09.2025 Capital 11956 12540 12540 Reserves & Surplus 1
Slide 30: Asset Quality
Asset Quality Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Gross NPA Net NPA ₹ in (Cr) Net NPA (%) Gross NPA % 6294 3.18 6082 5919 5912 5895 2.91 2.69 2.63 2.56 1406 1283
Slide 31: Asset Quality
Asset Quality Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Asset Classification Item Sep-24 Jun-25 Sep-25 FY 24-25 ₹ in (Cr) Gross NPA (₹ in Cr.) 6294 5912 5895 5919 Net N
Slide 32: Movement of NPA
Movement of NPA Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Quarter Ended Year Ended Sl No. Item (₹ in Cr) Sector-wise Fresh Addition to NPA Sep-24 Jun-25 Sep-25 M ar-25
Slide 33: Segment NPA
Segment NPA Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades ₹ in (Cr) Sl. Sector 30.09.2024 30.06.2025 30.09.2025 % to respective % to respective % to respective No Gross Adv
Slide 34: SMA Advances (1 Cr & above)
SMA Advances (1 Cr & above) Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades ₹ in (Cr) SMA Position of the Bank (1 cr and above) Sep-24 Jun-25 Sep-25 Parameters B/o (in Crs) %
Slide 35: Restructured Advances
Restructured Advances Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Restructured Standard Advance ₹ in (Cr) Parameters Sep-24 Jun-25 Sep-25 Out of Restructured Standard Adv
Slide 36: NCLT
NCLT Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades st nd Sep-2025 (₹ Cr.) 1 List 2 List Others Total Exposure to number of accounts referred under IBC 9 16 239 264 Loan Out
Slide 37: Capital Adequacy
Capital Adequacy Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades CRAR Particulars (₹ in Cr) Sep-24 Jun-25 Sep-25 16.84 18.39 17.89 Credit RWA 111823 124347 130308 2.25% 2.03%
Slide 38: Share Holding & Ratings
Share Holding & Ratings Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades STABLE BOND RATING Share Holding Pattern 30.09.2025 Others Basel III 4.39 S.N Rating Agency AT-I Bonds
Slide 39: Our Presence
Our Presence Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Domestic Overseas Branches ATM BCs Branches 2+1 3322 Rep. off. 2607 11108 South, 362, 11% Central, 552, 17% North
Slide 40: Expanding Footprints
Expanding Footprints Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Total No. of Domestic Branches 3322 23 182 176 11 58 104 4 62 7 245 311 147 9 8 243 15 Employee Profile 8
Slide 41: Project Parivartan-Digital Journeys
Project Parivartan-Digital Journeys Business Major Asset Capital & Business Digital ESG Products & Awards & Performanc Financials Highlights Quality Shareholding Network Journey Initiatives Services Accolades e 27 Digital Journeys Live and 5 more journeys coming soon… Retail MSME Agri KCC Renewal Pr
Slide 42: New Initiatives in IT Department
New Initiatives in IT Department Business Major Asset Capital & Business Digital ESG Products & Awards & Performanc Financials Highlights Quality Shareholding Network Journey Initiatives Services Accolades e Best rated PSB Initiatives on ADC Channels Initiatives in Cyber security Mobile Banking App
Slide 43: Increasing Digital Adoption
Increasing Digital Adoption Business Major Asset Capital & Business Digital ESG Products & Awards & Performanc Financials Highlights Quality Shareholding Network Journey Initiatives Services Accolades e Product Sep'24 Jun’25 Sep'25 YoY Growth in 6x Digital Advances SB A/c opened digitally (inc. 34%
Slide 44: Digital Performance & Transactions
Digital Performance & Transactions Business Major Asset Capital & Business Digital ESG Products & Awards & Performanc Financials Highlights Quality Shareholding Network Journey Initiatives Services Accolades e Active M-Banking Users-Retail (Lakhs) Active M-Banking Users–Corp. (Lakhs) Internet Bankin
Slide 45: Social Media Presence
Social Media Presence Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades @official.ucobank 42.9K @official.ucobank WhatsApp Banking 76K Say Hi to 8334001234 @uco-bank @UCOBankOf
Slide 46: ESG Initiative
ESG Initiative Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Environmental Social Governance Bank Exposure under Renewable energy is Rs Aparajita Debit Card to women cu
Slide 47: Product & Services
Product & Services Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades व ीय प रणाम सत बर तमाह व ीय वष २०२५-२६ 46
Slide 48: Awards & Accolades
Awards & Accolades Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades वष 2024-25 म कािशत बक क ितमाही िहदं ी गृह UCO Bank has been awarded राजभाषा नीित के सव े काया वयन हेतु नराक
Slide 49: Disclaimer
Disclaimer This presentation has been prepared solely for information purposes, without regard to any specific objectives, financial situations or informational needs of any particular person. Certain forward-looking statements in these slides involve a number of risks, uncertainties and other facto
Slide 50: Thank you
Thank. you