Uco Bank · NSE:UCOBANK
Uco Bank — Q1 FY2026 Earnings Presentation
54 slides from Uco Bank's earnings presentation, Jul 21, 2025
Slide 1: UCO Bank filing cover letter to exchanges
यूको बैंक UCO BANK सम्मान आपके विश्वास का Honours Your Trust ________________________________________________________________________________________ HO/Finance/Share/111/2025-26 Date: 21.07.2025 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/
Slide 2: Financial Results: June Qtr (FY 2025-26)
aa dh LN UCO BANK Re eJom face GCM: stet Tere! facia GW 229-2 THE NATION'S eae : : Financial Results: June Qtr (FY 202'5-26) Connect with us @official.ucobank : fa TS OORSRO MIO) ¢©® x © 2 ©
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 Page 2
Slide 4: Major Economic Highlights
Major Economic Highlights Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services World GDP Projection 2026 (IMF) ➢ India’s key economic indicators continues to reflect the growing strength of its econ
Slide 5: Major Highlights (FY 2025-26)
Major Highlights (FY 2025-26) Business Capital & Major Asset Business Digital ESG Products & Awards & Performanc Financials Shareholdi Highlights Quality Network Journey Initiatives Services Accolades e ng Business Deposit Savings Current (Domestic) (Domestic) ₹523736 Cr. ₹298635 Cr. ₹90243 Cr. ₹131
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 June-25 FY 25-26 Deposit Growth (Y-O-Y) 11.37% 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 310000 Business Mix (₹ in Cr) Jun-24 Mar-25 Jun-25 Q-Q (%) Y-Y (%) 290000 Global Business 461408 513527 523736
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 Savings Current 86290 90380 90243 Growth (%) Particulars (₹ in Cr) Jun-24 Mar-25 Jun-25 Q-Q Y-Y 12074 14325 13
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 Growth Growth ₹ in (Cr) Jun-24 Mar-25 Jun-25 Retail (Q-Q) % (Y-Y) % 25.80% 27.76% 28.10% 1. Domestic Advance
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-25 Particulars Growth Growth Jun-24 Mar-25 Jun-25 (₹ in Cr) (Q-Q) % (Y-Y) % 23% Home Loan 24454 27982 28835 3.0
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) Jun-24 Mar-25 Jun-25 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 22871 25821 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 39,771 Cr Q-Q 2.55 % Y-Y 20.33% 16,064 Cr 793 Cr 22,914 Cr (40.39%) (1.99%) 39,771
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.) Jun-25 Qtr GECL (₹ in Cr.) Upto Jun 25 Qtr Amount Sanctioned 901 Amount Sanctioned 3153 Amo
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) Jun2025 Qtr 66.12 24.42 % 13.25 54.9819.
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.) 30.06.2024 31.03.2025 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.) 30.06.2024 31.03.2025 30.06.2025 % % % 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) Jun-24 % Share Mar-25 % Share Jun-
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) Jun-24 Mar-25 Jun-25 1 Domestic Investment 92099 91830 91621 a SLR 67557 66470 6
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 Financial Year Sl. Parameters ( ₹ in Cr.) Jun-24 Mar-25 Jun-25 Q-Q (%) Y-Y (%) 24-25 1 Inte
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 Financial Year Particulars ( ₹ in Cr.) Jun-24 Mar-25 Jun-25 Q-Q (%) Y-Y (%) 24-25 In
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 Financial Year Quarter Ended Growth Sl. Particulars ( ₹ in Cr.) Jun-24 Mar-25 Jun-25 Q-Q (%) Y-Y (%) 24-25
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 Financial Year Sl. Particulars ( ₹ in Cr.) Jun-24 Mar-25 Jun-25 Q-Q (%) Y-Y (%) 24-
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 Financial Year Sl. Particulars ( ₹ in Cr.) Jun-24 Mar-25 Jun-25 24-25 1 NPA 396 364 463 1633 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 Financial Year Particulars Jun-24 Mar-25 Jun-25 24-25 Cost of Deposits (% ) 4.79% 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 (%) 8.65 9.02 8.60 8.9
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 ( %) 3.38 3.17 3.29 3.30 3.09 3.10 3.22 3.18 2.99 2.96 Jun-24 Sep-24 Dec-
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.) 158 25 155 24 150 23 146 22 22 143 Jun-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.) 30.06.2024 31.03.2025 30.06.2025 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 % 6463 6420 6294 3.46 6082 5919 5912 3.32 3.18 2.91 2.69 2.63
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 Jun-24 Mar-25 Jun-25 FY 24-25 ₹ in (Cr) Gross NPA (₹ in Cr.) 6420 5919 5912 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 Item (₹ in Cr) Sector-wise Fresh Addition to NPA Sl No. Jun-24 Mar-25 Jun-25 Mar-25 1
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 30.06.2024 31.03.2025 30.06.2025 % 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) Jun-24 Mar-25 Jun-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) Out of Restructured Standard Advances Parameters Jun-24 Mar-25 J
Slide 36: NCLT & NARCL
NCLT & NARCL Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades st nd Jun-2025 (₹ Cr.) 1 List 2 List Others Total Ex posure to number of accounts referred under IBC 9 16 232 257
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 Particulars (₹ in Cr) Jun-24 Mar-25 Jun-25 Credit RWA 106507 125521 124347 CRAR 17.09 18.49 18.39 Market RWA
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 IMPROVED BOND RATING Share Holding Pattern 30.06.2025 Others Basel III 4.17 S.N Rating Agency AT-I Bon
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 3305 Rep. off. 2575 10920 South, 358, 11% Central, 551, Urban, 17
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 3305 23 182 176 11 58 103 4 62 7 245 310 147 8 8 242 15 Employee Profile 8
Slide 41: Project Parivartan-Digital Journeys
Project Parivartan-Digital Journeys Major Business Asset Capital & Business Digital ESG Products & Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives Services Accolades 22 Digital Journeys Live and 8 more journeys coming soon… Retail MSME Agri Pre Qualified P
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 Jun'24 Mar’25 Jun'25 YoY Growth in 8x Digital Advances SB A/c opened digitally (inc. 10% 2
Slide 43: 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 Initiatives on ADC Channels Ongoing Initiatives of WhatsApp Banking Mobile Banking App Central Ba
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 Phone Banking Solution : UCO Sampark 2.0 Secure Digital 25 Lakh+ Active Customers on Banking Experience 1 Phone
Slide 45: 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 46: 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 29,500 @official.ucobank WhatsApp Banking 69,320 Say Hi to 8334001234 @uco-bank @UCOBa
Slide 47: ESG Initiative
ESG Initiative Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Bank exposure under Renewable energy is Rs 3024 cr as on 30.06.2025 Concession @10bps for purchase of Electric
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 More than 46,029 & 5,19,412 persons were educated via FLCs & CFLs, respectively, in Jun 2025 Qtr. Made contribu
Slide 49: ESG Initiative
ESG Initiative Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades RBI-aligned Cyber Security Framework implemented with 24×7 CSOC, ISO 27001 certification, and CERT-In integrati
Slide 50: Product & Services
Product & Services Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades वित्तीय परिणाम: जन ू तिमाही वित्तीय िर्ष २०२५-२६ Page 50
Slide 51: Awards and Recognitions
Awards and Recognitions Major Business Capital & Business Digital ESG Products & Financials Asset Quality Highlights Performance Shareholding Network Journey Initiatives Services Digital Payment Awards 2024-25 Digital Payment Awards 2022-23 ❑3rd Position awarded to UCO Bank for ❑2nd Position awarded
Slide 52: Awards & Recognition
Awards & Recognition Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades ❑UCO bank secures the 2nd runner up position under the top improvers category in the EASE 7.0 reforms ind
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
Thank you