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UCO Bank
UCO Bank (UCOBANK) investor relations material
UCO Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary20 Jan, 2026
Executive summary
Business grew 13.25% year-over-year, with global business reaching ₹5,53,680 Cr as of Dec 2025; deposits up 10.64% to ₹3,10,086 Cr and advances up 16.74% to ₹2,43,594 Cr.
Net profit for the quarter rose 15.65% year-over-year to ₹739 Cr, with operating profit up 6% to ₹1,680 Cr.
CASA ratio improved to 38.41%, maintained in the 37%-38% range for seven quarters.
Asset quality improved, with Gross NPA at 2.41% (down 50 bps YoY) and Net NPA at 0.36%.
Board approved unaudited financial results for Q3 and nine months ended 31 Dec 2025, reviewed by statutory auditors with unmodified opinion.
Financial highlights
Net Interest Income for the quarter was ₹2,646 Cr, up 11.27% year-over-year; NIM improved to 3.08% globally and 3.27% domestically.
Operating profit for Q3 FY26 was ₹1,680 Cr, up from ₹1,585.69 Cr in Q3 FY25.
Cost-to-income ratio reduced by 330 bps to 52.20% year-over-year; stood at 55.50% for the quarter.
Return on Assets (annualized) was 0.79%-0.83%, and Return on Equity (annualized) was 14.23%.
Fee-based income grew 30% year-over-year.
Outlook and guidance
FY 2025-26 guidance: deposit growth 10-12%, credit growth 12-14%, CASA ratio 37-38%.
NIM (global) expected at 2.8-3%, GNPA below 2.5%, NNPA below 0.35%.
Credit cost to remain below 1.00%.
IT and digital spend projected at INR 800-1,000 crores for the next year.
Bank continues to recognize taxes under the old provisions of the Income Tax Act.
Fraud provision strategy for 9M 2025
Sustainability of written-off recoveries
Reason for Q3 deferred tax asset reversal
ECL provisioning strategy and timeline
Corporate credit growth strategy and pipeline
Digital initiatives' impact on profitability
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Next UCO Bank earnings date
Q4 25/2627 Apr, 2026
UCO Bank
Next UCO Bank earnings date
Q4 25/2627 Apr, 2026
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