Uco Bank · NSE:UCOBANK
Uco Bank — Q1 FY2026-27 Earnings Presentation
56 slides from Uco Bank's earnings presentation, Jul 22, 2026
Slide 1: UCO Bank results presentation cover letter
यूको बक UCO BANK स मान आपके िव ास का Honours Your Trust ________________________________________________________________________________ HO/Finance/Share/88/2026-27 Date: 22.07.2026 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/1, G Block Dal
Slide 2: June Quarter FY 2026-27 Financial Results
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Slide 3: Overview
Overview Major Business Financials Highlights Performance Asset Capital & Business Quality Shareholding Network Digital ESG Products & Journey Initiatives Services Awards & Accolades िव ीय प रणाम:जून ि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) CASA (Domestic) Current Deposit ₹ 605083 Cr. ₹ 332315 Cr. ₹ 1008
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 Jun-26 Qtr Deposit Growth (Y-O-Y) 10-12% 11.28% 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 Business 605083 605000 590314 Business Mix (₹ in Cr) Jun-25 Mar-26 Jun-26 Q-Q (%) Y-Y (%) 570000 Global
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) Jun-25 Mar-26 Jun-26 Q-Q (%) Y-Y(%) 95000 101025 100870 1. Domestic Depos
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 Jun-25 Mar-26 Jun-26 (₹ in Cr) (Q-Q) % (Y-Y) % 28.10% 29.31% 29.27% 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 JUN-26 Particulars Growth Growth Jun-25 Mar-26 Jun-26 (₹ in Cr) (Q-Q) % (Y-Y) % 25.56% Home Loan 28835 33329 34596
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-25 Mar-26 Jun-26 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 26159 32742 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 47244 Cr Q-Q 2.06 % Y-Y 18.79% 14921 Cr 1467 Cr 30856 Cr (31.58%) (3.11%) (65.31%)
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-26 Qtr ECLGS-5.0 (₹ in Cr.) As on 30.06.2026 Amount Sanctioned (FY 25-26) 7299 ECLGS Sa
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) JUNE 2026 Qtr 87.73 44 17.26 66.12 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 % share to Total Sector (₹ in Cr.) Jun-25 Mar-26 Jun-26 Advances T
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) Jun-25 Mar-26 Jun-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.) Jun-25 % Share Mar-26 % Share J
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) Jun-25 Mar-26 Jun-26 1 Domestic Investment 91621 95837 94477 a SLR 670
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 Financial Year Sl. Parameters ( ₹ in Cr.) Jun-25 Mar-26 Jun-26 Q-Q (%) Y-Y (%) 25
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 Operating Profit Financial Quarter Ended 30.26% 2810 Sl. Particulars ( ₹ in Cr.) Year 79.84% Jun-25 Mar
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 Financial Year Sl. Particulars ( ₹ in Cr.) Jun-25 Mar-26 Jun-26 Q-Q (%) Y-Y
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 Financial Year Sl. Particulars ( ₹ in Cr.) Jun-25 Mar-26 Jun-26 Q-Q (%) Y-Y
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 Financial Year Sl. Particulars ( ₹ in Cr.) Jun-25 Mar-26 Jun-26 Q-O-Q (%) Y-O-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 Financial Year Particulars Jun-25 Mar-26 Jun-26 25-26 Cost of Deposits (%) 4.84% 4.65% 4
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 (%) 8.26 8.60 4.73 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 3.18 3.19 3.00 2.96 3.08 2.90 Jun-25 Sep-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.) 177 28 28 173 166 26 161 158 25 25 Jun-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.) Jun-25 Mar-26 Jun-26 Capital 12540 12540 12540 Reserves & Surplus 19387 20710 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) 2018 1622 7726 1473 1406 6463 6420 6294 1283 6082 5919 5912 5895 5867 5690
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 (%) 97.85 1.80 97.79 96.99 97.32 96.69 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 Jun-25 Mar-26 Jun-26 Gross NPA (₹ in Cr.) 5912 5690 5667 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 Sl No. Item (₹ in Cr) Sector-wise Fresh Addition to NPA Jun-25 Mar-26 Jun-26 1 Opening
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 Jun-25 Mar-26 Jun-26 % to respective % to respective % to respective No Gross Advances Gross
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) Jun-25 Mar-26 Jun-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 Advances Parameters Jun-25 Mar-26 J
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 Jun-2026 (₹ Cr.) 1 List 2 List Others Total Exposure to number of accounts referred under IBC 9 16 250 275 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 18.39% 18.61% 19.03% Particulars (₹ in Cr) Jun-25 Mar-26 Jun-26 2.03% 2.02% 1.59% Credit RWA 124347 1410
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 STABLE BOND RATING Share Holding Pattern 30.06.2026 Others Basel III 4.68 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 3421 Rep. off. 2680 11146 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 50 181 12 60 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 Jun'25 Mar’26 Jun'26 YoY Growth in 6x Digital Advances SB A/c opened digitally 53% 67% 70%
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 31 Digital Journeys Live and 4 more journeys coming soon… Retail MSME Agri Pre Qualified Personal Loan KCC Re
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 Total Digital Business Growth (in crs) Agri Assets (in crs) crs) June-25 Mar-26
Slide 46: 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 Digital Lending & Loan Mobile Banking App Digital Platforms & Business Enablem
Slide 47: 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 Initiatives On ADC Channels 3 in 1 Journey in M-Banking app for opening DEMAT account Simplif
Slide 48: Strengthening Digital Channels Contact Centre
Strengthening Digital Channels Contact Centre Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades How to reach us? ★ Customer Care Toll free helpline 1800- 8910, Best-in Class 90
Slide 49: Analytics Driven Business Transformation
Analytics Driven Business Transformation Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades AI/ML-Powered Digital Transformation Initiatives UCO INSIGHT – SINGLE LIVE BUSINESS A
Slide 50: Human Capital & Workforce Transformation
Human Capital & Workforce Transformation Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades िव ीय प रणाम:जून ितमाही िव ीय वष २०२६-२७ 49
Slide 51: 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 444910 persons were
Slide 52: 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:जून ितमाही िव ीय वष २०२६-२७ 51
Slide 53: 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 Innovation Excellence Award from Automation Anywhere for ‘First Public Sector Bank adopting Agentic pr
Slide 54: 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 117K @official.ucobank WhatsApp Banking 331K Say Hi to 8334001234 @uco-bank @UCOBankOf
Slide 55: 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 56: 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:जून ितमाही िव ीय वष २०२६-२७ 55