UCO Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

6,996.00

6,656.33

6,651.84

6,537.17

6,436.01

6,744.59

6,219.96

Income On Investments

1,653.56

1,639.14

1,652.85

1,615.18

1,564.61

1,602.13

1,566.93

Interest On Balances With Rbi Other Inter Bank Funds

213.31

238.62

253.31

273.09

356.78

369.35

359.66

Interest / Discount On Advances / Bills

5,118.22

4,760.68

4,717.78

4,626.12

4,490.89

4,748.36

4,272.22

Others

10.91

17.89

27.90

22.78

23.73

24.75

21.15

Other Income

1,686.24

708.89

869.32

884.22

997.20

1,392.20

1,185.93

Total Income

8,682.24

7,365.22

7,521.16

7,421.39

7,433.21

8,136.79

7,405.89

Interest Expended

4,187.64

4,042.03

4,005.72

4,004.45

4,032.78

4,046.10

3,842.28

Net Interest Income

2,808.36

2,614.30

2,646.12

2,532.72

2,403.23

2,698.49

2,377.68

Total Expenditure (Excl Depreciation)

1,685.06

1,749.95

1,835.20

1,803.74

1,838.17

2,391.92

1,977.92

Employee Cost

1,161.95

1,068.07

1,183.01

1,214.03

1,276.35

1,617.85

1,322.69

Other Operating Expenses

523.11

681.88

652.19

589.71

561.82

774.07

655.23

Operating Profit Before Provisions and Contingencies

2,809.54

1,573.24

1,680.24

1,613.20

1,562.26

1,698.77

1,585.69

Exceptional Items

0.00

Provisions and contingencies

234.61

326.13

525.12

588.14

616.06

662.63

589.51

Profit Before Tax

2,574.93

1,247.11

1,155.12

1,025.06

946.20

1,036.14

996.18

Tax

1,918.61

445.96

415.61

405.30

338.76

383.71

357.35

Profit After Tax

656.32

801.15

739.51

619.76

607.44

652.43

638.83

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

656.32

801.15

739.51

619.76

607.44

652.43

638.83

Face Value

10.0

Reserves

17,560.07

15,418.44

12,403.27

Earnings per share (EPS)

0.52

0.64

0.59

0.49

0.48

0.52

0.53

Diluted Earnings per share

0.52

0.64

0.59

0.49

0.48

0.54

0.53

Operating Profit Margin (Excl OI)

72.56%

68.81%

64.52%

63.41%

61.87%

54.71%

58.72%

Gross Profit Margin

36.81%

18.74%

17.37%

15.68%

14.7%

15.36%

16.02%

PAT Margin

9.38%

12.04%

11.12%

9.48%

9.44%

9.67%

10.27%

Net Interest Margin

3.05%

3.0%

3.08%

2.9%

2.96%

2.99%

3.17%

Return on Assets

0.0%

CASA (%)

36.94%

38.65%

38.41%

38.11%

36.91%

37.91%

37.97%

CASA Amount

1,16,136.00

1,17,752.00

1,12,083.00

1,10,555.00

1,03,378.00

1,04,705.00

1,00,530.00

Capital Adequacy Ratio (Total)

19.03%

18.61%

17.43%

17.89%

18.39%

18.49%

16.25%

Capital Adequacy Ratio (Tier 1)

17.44%

16.59%

15.41%

15.9%

16.35%

16.37%

14.17%

Provision Coverage Ratio (%)

97.85%

97.79%

97.32%

96.99%

96.88%

96.69%

96.16%

Amount of Gross NPAs

5,667.16

5,690.20

5,867.25

5,894.72

5,911.52

5,918.54

6,081.55

Amount of Net NPAs

675.71

701.91

852.55

961.94

997.60

1,068.31

1,283.13

% of Net NPAs

0.25%

0.27%

0.36%

0.43%

0.45%

0.5%

0.63%

% of Gross NPAs

2.08%

2.17%

2.41%

2.56%

2.63%

2.69%

2.91%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2680.0

2647.0

2613.0

2607.0

2575.0

2522.0

2478.0

Number of Branches

3421.0

3412.0

3327.0

3322.0

3305.0

3302.0

3263.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 5.1% vs 0.07% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is -18.08% vs 8.34% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is 78.58% vs -6.37% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.02% vs -0.09% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.09% vs -0.24% in Mar 2026

Compare Quarterly Results Of UCO Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

6,996.00

8,034.63

-1,038.63

-12.93%

Income On Investments

1,653.56

1,724.20

-70.64

-4.1%

Interest On Balances With Rbi Other Inter Bank Funds

213.31

31.05

182.26

586.99%

Interest / Discount On Advances / Bills

5,118.22

6,266.36

-1,148.14

-18.32%

Others

10.91

13.02

-2.11

-16.21%

Other Income

1,686.24

1,028.66

657.58

63.93%

Total Income

8,682.24

9,063.29

-381.05

-4.2%

Interest Expended

4,187.64

4,264.66

-77.02

-1.81%

Net Interest Income

2,808.36

3,769.97

-961.61

-25.51%

Total Expenditure (Excl Depreciation)

1,685.06

1,681.46

3.60

0.21%

Employee Cost

1,161.95

1,007.01

154.94

15.39%

Other Operating Expenses

523.11

674.45

-151.34

-22.44%

Operating Profit Before Provisions and Contingencies

2,809.54

3,117.17

-307.63

-9.87%

Exceptional Items

0.00

Provisions and contingencies

234.61

840.41

-605.80

-72.08%

Profit Before Tax

2,574.93

2,276.76

298.17

13.1%

Tax

1,918.61

256.57

1,662.04

647.79%

Profit After Tax

656.32

2,020.19

-1,363.87

-67.51%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

656.32

2,020.19

-1,363.87

-67.51%

Face Value

10.00

0.00

Reserves

17,560.07

23,597.18

-6,037.11

-25.58%

Earnings per share (EPS)

0.52

2.63

-2.11

-80.23%

Diluted Earnings per share

0.52

2.63

-2.11

-80.23%

Operating Profit Margin (Excl OI)

72.56%

68.61%

0.00

3.95%

Gross Profit Margin

36.81%

28.34%

0.00

8.47%

PAT Margin

9.38%

25.14%

0.00

-15.76%

Net Interest Margin

3.05%

3.79%

-0.74

-0.74%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

36.94%

49.00%

-12.06

-12.06%

CASA Amount

1,16,136.00

1,66,875.00

-50,739.00

-30.41%

Capital Adequacy Ratio (Total)

19.03%

18.64%

0.39

0.39%

Capital Adequacy Ratio (Tier 1)

17.44%

16.35%

1.09

1.09%

Provision Coverage Ratio (%)

97.85%

98.55%

-0.70

-0.70%

Amount of Gross NPAs

5,667.16

4,434.28

1,232.88

27.8%

Amount of Net NPAs

675.71

404.94

270.77

66.87%

% of Net NPAs

0.25%

0.13%

0.12

0.12%

% of Gross NPAs

2.08%

1.45%

0.63

0.63%

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

2,680.00

0.00

2,680.00

Number of Branches

3,421.00

2,815.00

606.00

21.53%

Quarterly - Interest Earned

Interest Earned 6996.0 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 5.1% vs 0.07% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 8.7% vs 6.84% in Jun 2025

Quarterly - Net Profit

Net Profit 656.32 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -18.08% vs 8.34% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 8.05% vs 10.25% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,809.54 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 78.58% vs -6.37% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 79.84% vs 18.24% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.25%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.02% vs -0.09% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.20% vs -0.33% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 2.08%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.09% vs -0.24% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.55% vs -0.69% in Jun 2025