Uco Bank · NSE:UCOBANK
Uco Bank — Q3 FY2025-26 Earnings Presentation
50 slides from Uco Bank's earnings presentation, Jan 17, 2026
Slide 1: UCO Bank results presentation cover letter
यूको बैंक UCO BANK सम्मान आपके विश्वास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/214/2025-26 Date: 17.01.2026 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/
Slide 2: Financial Results: December Qtr. (FY 2025-26)
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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 दसंबर तमाह व ीय वष २०२५-२६ 2
Slide 4: 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 CASA ₹553680Cr. ₹ 310086Cr. (Domestic) (Domestic) 10.64% (Y-Y) ₹97308Cr. ₹ 112083Cr.
Slide 5: Major Economic Highlights
Major Economic Highlights Business Major Asset Capital & Business Digital ESG Products & Awards & Performan Financials Highlights Quality Shareholding Network Journey Initiatives Services Accolades ce 2. CPI Inflation (FY 2025-26) 1. Growth Projections (FY 2025-26) (Y-o-Y Growth in %) (Y-o-Y Growth
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 DEC-25 FY 25-26 Deposit Growth (Y-O-Y) 10.64% 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 560000 Business 553680 Business Mix (₹ in Cr) Dec-24 Sep-25 Dec-25 Q-Q (%) Y-Y (%) 536398 490000 Global Busines
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 97308 Particulars (₹ in Cr) Dec-24 Sep-25 Dec-25 Q-Q (%) Y-Y(%) 88502 1. Domestic Deposits 264787 290106
Slide 9: Domestic Advances
Domestic Advances Products Major Business Asset Capital & Business Digital ESG Awards & Financials & Highlights Performance Quality Shareholding Network Journey Initiatives Accolades Services Particulars Growth Growth Dec-24 Sep-25 Dec-25 27.30% 28.94% 29.81% (₹ in Cr) (Q-Q) % (Y-Y) % 1. Domestic Ad
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 DEC-25 Particulars Growth Growth Dec-24 Sep-25 Dec-25 (₹ in Cr) (Q-Q) % (Y-Y) % 23.39% Home Loan 26631 30235 31634
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) Dec-24 Sep-25 Dec-25 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 24388 27330 3
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 44806Cr Q-Q 5.90% Y-Y 23.56% 20391 Cr 1349 Cr 23066 Cr (45.51%) (3.01%) (51.48%) 4
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 Standup India (No.) As on 31.12.2025 GECL (₹ in Cr.) Upto 31.03.2023 Target 6402 Amount Sanctioned 3153 Ach
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) Dec 2025 Qtr 81.78 39.17% 15.86 35.15 58
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.) 31.12.2024 30.09.2025 31.
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.) 31.12.2024 30.09.2025 31.12.2025 % % % 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) Dec-24 % Share Sep-25 % Share Dec-
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. Parameters (₹ in Cr) Dec-24 Sep-25 Dec-25 1 Domestic Investment 91554 95113 95668 a SLR 66911 70334 7
Slide 20: Profitability
Profitability Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades ₹ in (Cr) Quarter Ended Growth 9 Month Ended Growth Financial Year Sl. Parameters ( ₹ in Cr.) Dec-24 Sep-25 Dec-
Slide 21: Net Interest Income
Net Interest Income Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades ₹ in (Cr) Quarter Ended Growth 9 Month Ended Growth Financial Year Sl. Particulars ( ₹ in Cr.) Dec-24 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 ₹ in (Cr) Quarter Ended Growth 9 Month Ended Growth FY Sl. Particulars ( ₹ in Cr.) Dec-24 Sep-25 Dec-25 Q-
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 ₹ in (Cr) Quarter Ended Variation 9 Month Ended Growth FY Sl. Particulars ( ₹ in Cr.) Dec-24 Sep-25 Dec-25
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 ₹ in (Cr) Quarter Ended 9 Month Ended FY Sl. Particulars ( ₹ in Cr.) Dec-24 Sep-25 Dec-25 Dec-24 Dec-25 24-2
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 9 Month Ended FY P articulars Dec-24 Sep-25 Dec-25 Dec-24 Dec-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 4.78 8.9
Slide 27: 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 NIM Domestic (%) NIM Global (%) 3.17 3.38 3.08 3.27 3.22 2.99 3.18 2.96 3.08 2.90 Dec-24 Mar-2
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.) 26 166 25 25 161 158 24 155 23 150 Dec-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 ₹ in (Cr) CAPITAL & LIABILITIES (₹ in Cr.) 31.12.2024 30.09.2025 31.12.2025 Capital 11956 12540 12540 Reserves &
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) Gross NPA (%) Net NPA (%) 7726 7355 6939 6905 4.78 6463 6420 6294 6082 4.48 5919 591
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 ₹ in (Cr) Item Dec-24 Sep-25 Dec-25 FY 24-25 Gross NPA (₹ in Cr.) 6082 5895 5867 5919 Asset Classification Item
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 ₹ in (Cr) Quarter Ended Year Ended Sl No. Item (₹ in Cr) Dec-24 Sep-25 Dec-25 M ar-25 Sector-wise Fresh Additi
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 31.12.2024 30.09.2025 31.12.2025 % 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) 31.12.2024 30.09.2025 31.12.2025 Parameters B/
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 Dec-24 Sep-25 Dec-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 Dec-2025 (₹ Cr.) 1 List 2 List Others Total Exposure to number of accounts referred under IBC 9 16 240 265 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 16.25 17.89 17.43 Particulars (₹ in Cr) Dec-24 Sep-25 Dec-25 Credit RWA 117069 130308 137414 2.08% 1.99%
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 31.12.2025 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 3327 Rep. off. 2613 11128 Region wise Branches Population categor
Slide 40: Business Network
Business Network Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades 23 State-wise Number of Loan Processing offices 182 Branches 176 Retail Loan Hubs 50 11 58 104 SME & Agri Hub
Slide 41: Increasing Digital Adoption
Increasing Digital Adoption Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Product Dec'24 Sept’25 Dec'25 YoY Growth in 4x Digital Advances SB A/c opened digitally 33% 57% 61
Slide 42: Digital Performance & Transactions
Digital Performance & Transactions Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Active M-Banking Users-Retail (Lakhs) Active M-Banking Users–Corp. (Lakhs) Internet Banking Users (Lakhs) 97.7
Slide 43: Digital Business Performance
Digital Business Performance Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Retail Assets (in crs) Agri Assets (in crs) Total Digital Business Growth (in crs) 97.74% 230% 81.97% 246% 141% 16.8
Slide 44: New Initiatives in IT Department
New Initiatives in IT Department Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Best rated PSB Mobile Banking Enhancements in IT End to End Digital STP Journeys App Implementation of Compreh
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 86K @official.ucobank WhatsApp Banking 140K Say Hi to 8334001234 @uco-bank @UCOBankOff
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 More than 1470533 persons were educated Board-level governance through dedi
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 दसंबर 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 IBA 21st Annual Banking Technology Awards UCO Bank participated in the Global UCO Bank showcased its Offlin
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
Disclaimer We express our heartfelt gratitude to all our stakeholders for their support. Your trust is the foundation of our Success. Honours Your Trust Thank you 49