Uco Bank · NSE:UCOBANK
Uco Bank — Q4 FY2026 Earnings Presentation
52 slides from Uco Bank's earnings presentation, Apr 25, 2026
Slide 1: UCO Bank
यूको बैंक UCO BANK सम्मान आपके विश्वास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/20/2026-27 Date: 25.04.2026 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/1
Slide 2: Financial Results: March Qtr. (FY 2025-26)
facta ofora: Are feraret faite TT 2024-26 Financial Results: March Qtr. (FY 2025-26) Connect with us @official.ucobank SY =) 1800 8910 © x e ©
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:माच 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 Current Deposit ₹590314 Cr. (Domestic) (Domestic) ₹16727 Cr. ₹ 327563 Cr. ₹1010
Slide 5: 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 1. Major Highlights & Growth Drivers 2. Growth Projections (FY 2026-27) | Y-o-Y Growth (%) GDP Growt
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 Guidance for Actual for FY Guidance for Parameters FY 25-26 2025-26 FY 26-27 Deposit Growth 10-12% 11.
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 600000 Business 590314 Business Mix (₹ in Cr) Mar-25 Dec-25 Mar-26 Q-Q (%) Y-Y (%) 575000 553680 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 105000 Savings Particulars (₹ in Cr) Mar-25 Dec-25 Mar-26 Q-Q (%) Y-Y(%) 100000 95000 101025 97308 1. Domestic
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 Mar-25 Dec-25 Mar-26 (₹ in Cr) (Q-Q) % (Y-Y) % 27.76% 29.81% 29.31% 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 MAR-26 Particulars Growth Growth Mar-25 Dec-25 Mar-26 (₹ in Cr) (Q-Q) % (Y-Y) % 25.00% Home Loan 27982 31634 33329
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) Mar-25 Dec-25 Mar-26 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 25821 30630 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 46291 Cr Q-Q 3.31% Y-Y 19.36% 14285 Cr 1448 Cr 30558 Cr (30.86%) (3.13%) (66.01%)
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 GECL (₹ in Cr.) Upto 31.03.2023 PMMY (₹ in Cr.) Mar-26 Qtr Amount Sanctioned (FY 25-26) 7299 Amount Sanctio
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) MARCH 2026 Qtr 84.90 16.83 37.46 63.23 3
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.) 31.03.2025 31.12.2025 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) 31.03.2025 31.12.2025 31.03.2026 Domestic Overseas Global % Domestic Overseas G
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) Mar-25 % Share Dec-25 % Share Mar-
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 ₹ in (Cr) Sl. Parameters (₹ in Cr) Mar-25 Dec-25 Mar-26 1 Domestic Investment 91830 95668 95837 a SLR 664
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 Financial Year Growth Sl. Parameters ( ₹ in Cr.) Mar-25 Dec-25 Mar-26 Q-Q (%) Y-Y
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 Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-25 Dec-25 Mar-26 Q-Q
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 Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-25 Dec-25 Mar-26 Q-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 Financial Year Growth Sl. Particulars ( ₹ in Cr.) Mar-25 Dec-25 Mar-26 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 ₹ in (Cr) Quarter Ended Financial Year Sl. Particulars ( ₹ in Cr.) Mar-25 Dec-25 Mar-26 24-25 25-26 1 NPA 36
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 Financial Year Particulars Mar-25 Dec-25 Mar-26 24-25 25-26 Cost of Deposits (% ) 4.90%
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 (%) 8.90 8.50 4.78 4.7
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 (%) 3.08 3.27 3.22 3.18 3.19 3.00 2.99 2.96 3.08 2.90 Mar-25 Jun-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.) 28 173 166 26 161 25 25 158 24 155 Mar-25
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.) 31.03.2025 31.12.2025 31.03.2026 Capital 12540 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) ₹ in (Cr) 2018 1877 1802 1700 1622 7726 7355 1473 1406 6939 6905 6463 1283 6420 6294
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 PCRPCR (Incl. (Incl.TWO) (%) TWO) (%) Slippage SlippageRatio (%) Ratio (%) 1.80 97.79 97.32 96.69 96.88 96.99 1.
Slide 32: 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 Mar-25 Dec-25 Mar-26 Gross NPA (₹ in Cr.) 5919 5867 5690 Asset Classification Net NPA (₹ in Cr.)
Slide 33: 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) Mar-25 Dec-25 Mar-26 24-25 25-26 Sector-wise Fresh Ad
Slide 34: 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 31.03.2025 31.12.2025 31.03.2026 % to % to respective % to respective No Gross Advances Gross
Slide 35: 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) 31.03.2025 31.12.2025 31.03.2026 Parameters B/
Slide 36: 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 Mar-25 Dec-25 Mar-26 Out of Restructured Standard Adv
Slide 37: NCLT
NCLT Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades st nd Mar-2026 (₹ Cr.) 1 List 2 List Others Total Exposure to number of accounts referred under IBC 9 16 248 273 Loan Out
Slide 38: Capital Adequacy
Capital Adequacy Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades CRAR 18.49% 17.43% 18.61% Particulars (₹ in Cr) Mar-25 Dec-25 Mar-26 Credit RWA 125521 137413 141081 2.12% 2.
Slide 39: 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 Others Share Holding Pattern 31.03.2026 3.25 Basel III S.N Rating Agency AT-I Bonds
Slide 40: 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 ATM BCs Branches Branches 2+1 3412 Rep. off. 2647 11136 Region wise Branches Population categor
Slide 41: Business Network
Business Network Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades 26 State-wise Number of Loan Processing offices 184 Branches Retail Loan Hubs 50 180 12 59 SME & Agri Hubs 49
Slide 42: 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 Mar'25 Dec’25 Mar'26 YoY Growth in 8.5x Digital Advances SB A/c opened digitally 42% 61% 6
Slide 43: Digital Performance & Transactions
Digital Performance & Transactions Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Active M-Banking Users-Retail (Lakhs) Active M-Banking Users–Corp. (Lakhs) Internet Banking
Slide 44: Digital Business Performance
Digital Business Performance Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Retail Assets (in crs) Agri Assets (in crs) Total Digital Business Growth (in crs) Mar-25 Dec-25
Slide 45: New Initiatives in IT Department
New Initiatives in IT Department Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Best rated PSB Mobile Banking App DIGITAL JOURNEYS AND API AND TECHNOLOGY TAB BANKING CORE EN
Slide 46: Strengthening Digital Channels
Strengthening Digital Channels Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Contact ContactCentre CentreRevamp Revamp +91-83340-01234 1800-8910 +91-83340-01234 Contact Cen
Slide 47: 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 116K @official.ucobank WhatsApp Banking 365K Say Hi to 8334001234 @uco-bank @UCOBankOf
Slide 48: 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 1844043 persons were educated Bank Adopted PCAF Global standard a
Slide 49: 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:माच तमाह व ीय वष २०२५-२६ 48
Slide 50: Awards and Recognitions
Awards and Recognitions Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades SKOCH Award Winner for Gold Silver Award at IBEX India BFSI यूको बक को व ीय वष 2025- Category in BFSI-
Slide 51: 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 52: Thank you
Disclaimer We express our heartfelt gratitude to all our stakeholders for their support. Your trust is the foundation of our Success. Digital Business Performance Honours Your Trust Thank you व ीय प रणाम:माच तमाह व ीय वष २०२५-२६ 51