| Management target | Revenue 14.0% FY27 |
|---|
| Revenue growth | Global Advances grew 24.70% YoY. |
|---|---|
| Margins | Global NIM at 3.00% versus 2.8-2.9% guidance. |
| Demand visibility | Strong growth in Retail (30.23%) and Vehicle loans (61.91%). |
| Management confidence | High, achieving most annual guidance parameters in Q2. |
Growth
Global Business grew 18.81% YoY; Global Advances surged 24.70% YoY driven by Retail and MSME sectors.
Outlook
Guidance for FY27 maintains Credit Growth at 12-14% and GNPA target below 2.00%.
Risks
Rising cost of deposits (4.75% in Q2 vs 4.70% in Q1) and high slippage ratio (0.85%).
Last quarter's promises, checked
Delivered
- Credit growth 12-14% → delivered 24.70% (= BEAT)
- NIM 2.8-2.9% → delivered 3.00% (= BEAT)
- Credit Cost <0.75% → delivered 0.39% (= BEAT)
Partly delivered
- Deposit growth 10-12% → delivered 11.28% in Q1 (= PARTIAL)
- Cost-to-income <50% → delivered 37.49% in Q1 (= BEAT but mgmt expects normalization)
Missed
- Slippage Ratio <1.0% → delivered 0.85% in Q2 vs 0.63% in Q1 (= PARTIAL_TREND_MISS)
Investor Presentation filed with NSE, NSE: UCOBANK. Summary written with AI assistance from the document.
UCO Bank: key numbers
- Share price
- ₹22.10
- Market cap
- ₹27,712 Cr
- Revenue (annual)
- ₹26,281 Cr
- Net profit (annual)
- ₹2,768 Cr
- P/E (TTM)
- 9.3×Sector 19.7×
- Promoter holding
- 90.95%+0.00% QoQ
- FII holding
- 0.06%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from UCO Bank
All →UCO Bank Management Change
UCO Bank's Central Government nominated Shri Mohamed Ashraf J S as a director, replacing Shri Hari Har Mishra, effective 23 October 2026. The filing gives the appointment details and confirms no SEBI debarment.
UCO Bank Results Update
UCO Bank reported Q2 FY27 net profit of Rs.786 Crore, up 26.77% Y-o-Y. Total business grew 18.81% Y-o-Y to Rs.6,37,280 Crore with NPA at 1.96%.
UCO Bank Q2 FY27 Results: Net Profit ₹785.6 Cr, Up 26.8% YoY
UCO Bank reported revenue from operations of ₹7,286 Cr (+11.5% YoY) and net profit of ₹785.6 Cr (+26.8% YoY) for Q2 FY27.
- Key figure
- Net profit ₹785.6 Cr · +26.8% YoY
UCO Bank Board Meeting Date
UCO Bank will hold a board meeting on October 15, 2026, to consider and approve its unaudited financial results for the quarter and half-year ended September 2026.
UCO Bank Credit Rating
UCO Bank received a credit rating reaffirmation of 'AA/Stable' from India Ratings & Research Pvt Ltd for its long-term instruments aggregating to Rs. 1,500 Crore.
- Value
- ₹1,500 Cr
UCO Bank Other Announcement
UCO Bank filed its half-yearly ISIN specification statement for listed debt securities per SEBI Master Circular Chapter VIII. No new transaction or event is reported.