Uco Bank · NSE:UCOBANK
Uco Bank — Q2 FY2026-27 Earnings Presentation
54 slides from Uco Bank's earnings presentation, Oct 15, 2026
Slide 1: UCO Bank results filing cover letter
यूको बक UCO BANK स मान आपके िव ास का Honours Your Trust ________________________________________________________________________________ HO/Finance/Share/120/2026-27 Date: 15.10.2026 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/1, G Block Da
Slide 2: Financial Results September Qtr / Half Year FY 2026-27
facia af 202¢-20 \Fi ina ncial PASE gal &sS Qa Qtr/ \ September Qtr / Half Year 4 SS y THE NATION’S TRUST Sw (FY 2026- ne a E) wwwcobank.in | € 18008910 ©® © e we @® ©
Slide 3: Overview
Overview Major Business Financials Highlights Performance Asset Capital & Business Quality Shareholding Network Digital ESG Awards & Journey Initiatives Accolades िव ीय प रणाम: िसतंबर ितमाही िव ीय वष २०२६-२७ 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 Business Deposit Savings (Domestic) Current Deposit CASA (Domestic) ₹ 637280 Cr. ₹ 349590 Cr. ₹ 1037
Slide 5: Major Economic Highlights
Major Economic Major Highlights 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) |
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 Parameters FY 26-27 Sep-26 Qtr Deposit Growth (Y-O-Y) 10-12% 14.36% Credit Gro
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 640000 637280 Business 605083 605000 Business Mix (₹ in Cr) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 570000 536398
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 120000 Savings Particulars (₹ in Cr) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y(%) 95000 103736 100870 95080 1. Domestic
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 % Share in Domestic Advance including Corporate & Others Particulars Growth Growth Sep-25 Jun-26 Sep-26 (₹ i
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 % Share in Total Retail Advance Particulars Growth Growth Sep-26 Sep-25 Jun-26 Sep-26 (₹ in Cr) (Q-Q) % (Y-Y) % Hom
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-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 27330 34270 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 50,905 Cr Q-Q 7.75% Y-Y 20.32% 16,780 Cr 1,412 Cr 32,713 Cr ( 32.96%) ( 2.77%) ( 6
Slide 13: MSME Portfolio Mix: ECLGS, PMMY, SVANidhi
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.) Amount ECLGS-5.0 (₹ in Cr.) As on 30.09.2026 Amount Sanctioned (FY 25-26) 7299 Amount Disbu
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 Sep 2026 Qtr PMSBY (In Lakhs) PMJJBY (In Lakhs) APY Accounts (In Lakhs) State Level Bankers Commi
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.) Sep-25 Jun-26 Sep-26 Adva
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) Sep-25 Jun-26 Sep-26 Domestic Overseas Global % Domestic Overseas Global % Dome
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 (Amt in Cr.) Sep-25 % Share Jun-26 % Share S
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) Sep-25 Jun-26 Sep-26 1 Domestic Investment 95113 94477 96661 a SLR 703
Slide 20: Operating Profitability
Operating 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-25 Jun-26 Se
Slide 21: Provision & Net Profit
Provision & Net Profit Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Y-o-Y Financial Net Profit Quarter Ended Half Year Ended Operating Profit 1872 Sl. Particulars ( ₹ in C
Slide 22: 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 Half Year Ended Growth Financial Year Sl. Particulars ( ₹ in Cr.) Sep-25 Ju
Slide 23: 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 Half Year Ended Financial Year Sl. Particulars ( ₹ in Cr.) Sep-25 Jun-26 Se
Slide 24: 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 EndedGrowth FY Sl. Particulars ( ₹ in Cr.) Sep-25 Jun-26 Sep-26 Q-Q (%) Y
Slide 25: Key Financial Indicator
Key Financial Indicator Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Quarter Ended Half Year Ended Financial Year Particulars Sep-25 Jun-26 Sep-26 Sep-25 Sep-26 25-26 Cost
Slide 26: Key Financial Indicator (Qtr.)
Key Financial Indicator (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 (%) 8.44 4.57 8.06 8.06
Slide 27: Key Financial Indicator (Qtr.)
Key Financial Indicator (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 3.24 3.05 3.19 3.19 3.00 3.00 3.08 2.90 Sep-25 Dec-25
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.) 30 185 177 28 28 173 166 26 161 25 Sep-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 CAPITAL & LIABILITIES (₹ in Cr.) Sep-25 Jun-26 Sep-26 Capital 12540 12540 12540 Reserves & Surplus 19925 21489 2
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) 1622 1473 6463 1406 6420 6294 6082 5919 5912 5895 5867 1283 5690 5667 5632
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 (%) 98.36 1.80 97.79 97.85 97.32 96.88 96
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 Sep-25 Jun-26 Sep-26 Gross NPA (₹ in Cr.) 5895 5667 5632 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) Sector-wise Fresh Addition to NPA Sep-25 Jun-26 Sep-2
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 Sep-25 Jun-26 Sep-26 % to respective % to respective % to respective No. Particulars Gross Ad
Slide 35: SMA Advances (1 Cr and Above)
SMA Advances (1 Cr and 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-25 Jun-26 Sep-26 Parameters B/o (in Crs)
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 ₹ in (Cr) Restructured Standard Advance Out of Restructured Standard Parameters Sep-25 Jun-26 Sep-26 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 Sep-2026 (₹ Cr.) 1 List 2 List Others Total Exposure to number of accounts referred under IBC 9 16 252 277 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 17.89% 19.03% 18.85% Particulars (₹ in Cr) Sep-25 Jun-26 Sep-26 Credit RWA 130308 146414 152177 1.99% 1.
Slide 39: Shareholding & Ratings
Shareholding & Ratings Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Shareholding Pattern 30.09.2026 STABLE BOND RATING Others 4.84 Long-term Issuer Rating (International)
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 International ATM BCs Branches Branches 1. Hongkong 3439 2. Singapore 3. IBU-Gift City 2686 11156 Region
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 J&K-26 LA State-wise Number of Loan Processing offices Branches Retail Loan Hubs 50 HP-184 PB-181 CH-12 SME &
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 Year on Year Growth Product Sep'25 Jun’26 Sep'26 Digital 7.5x Advances SB A/c opened digitally 57%
Slide 43: Digital Performance & Transaction
Digital Performance & Transaction 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 Journeys
Digital Journeys Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades 33 Digital Journeys Live and 5 more journeys coming soon… Retail MSME Agri Pre Qualified Personal Loan (PQPL)
Slide 45: 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) Sep-25 Jun-26
Slide 46: Digital Channels-Key Features
Digital Channels-Key Features Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Mobile Banking Internet Banking Whatsapp Banking UPI & Payments 193 services 143 services 62 ser
Slide 47: Digital Channels Initiatives
Digital Channels Initiatives Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Best rated PSB ADC CHANNEL INITIATIVES Mobile Banking App UPI Help 2.0 – Integrated UPI assistanc
Slide 48: Digital Transformation & Business Enablement
Digital Transformation & Business Enablement Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services ROBOTIC PROCESS AUTOMATION DECEASED CLAIM PORTAL REVAMP UCO SETU APP ENHANCEMENTS End-to-End Onlin
Slide 49: Awards and Recognitions
Awards and Recognitions Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Launch of 9 new digital products at Global Fintech Fest 2026 :_ 1. Credit Line on UPI 2. RuPay Passkey 3. UPI Help 2.0 4.
Slide 50: 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 has developed board approved Net – Zero More than 377840 persons were
Slide 51: 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 िव ीय प रणाम: िसतंबर ितमाही िव ीय वष २०२६-२७ 50
Slide 52: 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 118K @official.ucobank WhatsApp Banking 317K Say Hi to 8334001234 @uco-bank @UCOBankOf
Slide 53: 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 54: 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: िसतंबर ितमाही िव ीय वष २०२६-२७ 53