UCO Bank Annual Results: Standalone & Consolidated Reports | Financial Analysis & Trends (15 Years)

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

26,281.35

25,066.90

21,854.34

17,650.51

14,981.34

14,446.16

15,134.34

Income On Investments

6,471.78

6,346.74

6,123.81

6,223.22

6,020.43

6,064.65

5,939.09

Interest On Balances With Rbi Other Inter Bank Funds

1,121.80

1,502.05

1,410.90

902.00

405.76

252.23

476.30

Interest / Discount On Advances / Bills

18,595.47

17,117.09

14,162.20

10,343.50

8,321.70

7,764.69

8,140.51

Others

92.30

101.02

157.43

181.79

233.45

364.59

578.44

Other Income

3,459.63

4,406.63

3,265.53

2,508.46

3,100.81

3,424.18

2,871.21

Total Income

29,740.98

29,473.53

25,119.87

20,158.97

18,082.15

17,870.34

18,005.55

Interest Expended

16,084.98

15,436.83

13,753.56

10,307.39

8,508.39

8,966.45

10,042.06

Net Interest Income

10,196.37

9,630.07

8,100.78

7,343.12

6,472.95

5,479.71

5,092.28

Total Expenditure (Excl Depreciation)

7,227.06

7,999.41

6,790.07

5,510.91

4,776.32

4,754.82

3,127.89

Employee Cost

4,741.46

5,453.11

4,886.67

3,872.74

3,314.31

3,442.65

1,929.40

Other Operating Expenses

2,485.60

2,546.30

1,903.40

1,638.17

1,462.01

1,312.17

1,198.49

Operating Profit Before Provisions and Contingencies

6,428.94

6,037.29

4,576.24

4,340.67

4,797.44

4,149.07

4,835.60

Exceptional Items

0.00

Provisions and contingencies

2,055.45

2,203.74

2,007.39

1,435.56

3,047.07

4,224.55

8,548.14

Profit Before Tax

4,373.49

3,833.55

2,568.85

2,905.11

1,750.37

-75.48

-3,712.54

Tax

1,605.63

1,388.59

915.11

1,042.77

820.61

-242.52

-1,275.71

Profit After Tax

2,767.86

2,444.96

1,653.74

1,862.34

929.76

167.04

-2,436.83

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,767.86

2,444.96

1,653.74

1,862.34

929.76

167.04

-2,436.83

Face Value

10.0

Reserves

17,560.07

15,418.44

12,403.27

11,005.25

8,905.35

7,396.63

6,942.91

Earnings per share (EPS)

2.21

1.95

1.38

1.56

0.78

0.17

-2.46

Diluted Earnings per share

2.21

2.04

1.38

1.56

0.8

0.17

-3.1

Operating Profit Margin (Excl OI)

64.68%

59.3%

59.75%

60.64%

47.78%

37.84%

22.85%

Gross Profit Margin

16.64%

15.29%

11.75%

16.46%

11.68%

-0.52%

-24.53%

PAT Margin

10.53%

9.75%

7.57%

10.55%

6.21%

1.16%

-16.1%

Net Interest Margin

3.03%

3.08%

2.92%

2.87%

2.81%

2.58%

2.69%

Return on Assets

0.0%

CASA (%)

38.65%

37.91%

39.25%

37.82%

39.42%

39.66%

40.22%

CASA Amount

1,17,752.00

1,04,705.00

98,120.00

91,054.00

88,331.00

79,922.00

75,692.00

Capital Adequacy Ratio (Total)

18.61%

18.49%

16.98%

16.51%

13.74%

11.7%

Capital Adequacy Ratio (Tier 1)

16.59%

16.37%

14.54%

13.96%

10.97%

11.14%

8.98%

Provision Coverage Ratio (%)

97.79%

96.69%

95.38%

94.5%

91.44%

88.4%

85.46%

Amount of Gross NPAs

5,690.20

5,918.54

6,463.30

7,726.46

10,237.00

11,351.97

19,281.95

Amount of Net NPAs

701.91

1,068.31

1,621.64

2,018.02

3,316.00

4,389.50

5,510.65

% of Net NPAs

0.27%

0.5%

0.89%

1.29%

2.7%

3.94%

5.45%

% of Gross NPAs

2.17%

2.69%

3.46%

4.78%

7.89%

9.59%

16.77%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2647.0

2522.0

2477.0

2422.0

2317.0

2277.0

2236.0

Number of Branches

3412.0

3302.0

3230.0

3205.0

3074.0

3089.0

3088.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 4.84% vs 14.7% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 13.21% vs 47.84% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is 6.49% vs 31.93% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is -0.23% vs -0.39% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -0.52% vs -0.77% in Mar 2025

Compare Annual Results Of UCO Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

26,281.35

29,281.64

-3,000.29

-10.25%

Income On Investments

6,471.78

6,519.84

-48.06

-0.74%

Interest On Balances With Rbi Other Inter Bank Funds

1,121.80

218.56

903.24

413.27%

Interest / Discount On Advances / Bills

18,595.47

22,490.31

-3,894.84

-17.32%

Others

92.30

52.93

39.37

74.38%

Other Income

3,459.63

3,540.89

-81.26

-2.29%

Total Income

29,740.98

32,822.53

-3,081.55

-9.39%

Interest Expended

16,084.98

15,617.58

467.40

2.99%

Net Interest Income

10,196.37

13,664.06

-3,467.69

-25.38%

Total Expenditure (Excl Depreciation)

7,227.06

6,379.13

847.93

13.29%

Employee Cost

4,741.46

3,375.77

1,365.69

40.46%

Other Operating Expenses

2,485.60

3,003.36

-517.76

-17.24%

Operating Profit Before Provisions and Contingencies

6,428.94

10,825.82

-4,396.88

-40.61%

Exceptional Items

0.00

Provisions and contingencies

2,055.45

2,968.45

-913.00

-30.76%

Profit Before Tax

4,373.49

7,857.37

-3,483.88

-44.34%

Tax

1,605.63

838.05

767.58

91.59%

Profit After Tax

2,767.86

7,019.32

-4,251.46

-60.57%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

2,767.86

7,019.32

-4,251.46

-60.57%

Face Value

10.00

0.00

Reserves

17,560.07

23,597.18

-6,037.11

-25.58%

Earnings per share (EPS)

2.21

9.13

-6.92

-75.79%

Diluted Earnings per share

2.21

9.13

-6.92

-75.79%

Operating Profit Margin (Excl OI)

64.68%

68.08%

0.00

-3.40%

Gross Profit Margin

16.64%

26.83%

0.00

-10.19%

PAT Margin

10.53%

23.97%

0.00

-13.44%

Net Interest Margin

3.03%

3.90%

-0.87

-0.87%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

38.65%

52.51%

-13.86

-13.86%

CASA Amount

1,17,752.00

1,84,088.00

-66,336.00

-36.03%

Capital Adequacy Ratio (Total)

18.61%

18.36%

0.25

0.25%

Capital Adequacy Ratio (Tier 1)

16.59%

15.41%

1.18

1.18%

Provision Coverage Ratio (%)

97.79%

98.59%

-0.80

-0.80%

Amount of Gross NPAs

5,690.20

4,245.97

1,444.23

34.01%

Amount of Net NPAs

701.91

383.74

318.17

82.91%

% of Net NPAs

0.27%

0.13%

0.14

0.14%

% of Gross NPAs

2.17%

1.45%

0.72

0.72%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,647.00

0.00

2,647.00

Number of Branches

3,412.00

2,785.00

627.00

22.51%

Annual - Interest Earned

Interest Earned 26281.35 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 4.84% vs 14.7% in Mar 2025

Annual - Net Profit

Net Profit 2,767.86 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 13.21% vs 47.84% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 6,428.94 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 6.49% vs 31.93% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.27%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.23% vs -0.39% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 2.17%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -0.52% vs -0.77% in Mar 2025