UCO Bank Q1 FY26 earnings call summary

Earnings call of 21 Jul 2025, summarised by AI from the filing.

UCO Bank Q1 FY26 net profit ₹607 cr, up 10% YoY; guides FY26 advances growth at 12-14%.

Key takeaways

1. Net profit ₹607 cr, grew 10% YoY; operating profit ₹1,562 cr, up 18%.
2. Guidance Advances growth guided at 12-14% and deposit growth at 10-12% for FY26.
3. Slippages ₹631 cr in Q1 FY26, higher due to one mid-corporate MSME account.
4. Digital business Crossed ₹8,000 cr in Q1 FY26; FY26 target ₹25,000 cr.
5. Margin pressure RBI repo rate cuts and deposit repricing pressure NIM and yields.

Original filing on BSE

UCO Bank Q1 FY27 results

As filed: Revenue ₹6,996 cr, EBITDA ₹889 cr, PAT ₹656 cr, EBITDA margin 12.7%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹6,656 cr, EBITDA ₹538 cr, PAT ₹801 cr, EBITDA margin 8.1%. Not scored. Bank result format: not scored yet. Share price after the results: −3.5% in 30 days (Nifty 500: +1.6%).
• Q3 FY26: Revenue ₹6,652 cr, EBITDA ₹286 cr, PAT ₹740 cr, EBITDA margin 4.3%. Not scored. Bank result format: not scored yet. Share price after the results: −2.1% in 30 days (Nifty 500: −0.1%).
• Q2 FY26: Revenue ₹6,537 cr, EBITDA ₹141 cr, PAT ₹620 cr, EBITDA margin 2.2%. Not scored. Bank result format: not scored yet. Share price after the results: −2.2% in 28 days (Nifty 500: +1.2%).
• Q1 FY26: Revenue ₹6,436 cr, EBITDA −₹51.2 cr, PAT ₹607 cr, EBITDA margin -0.8%. Not scored. Bank result format: not scored yet. Share price after the results: −8.9% in 30 days (Nifty 500: −0.6%).
• Q4 FY25: Revenue ₹6,745 cr, EBITDA −₹356 cr, PAT ₹652 cr, EBITDA margin -5.3%. Not scored. Bank result format: not scored yet. Share price after the results: +1.5% in 30 days (Nifty 500: +3.1%).
• Q3 FY25: Revenue ₹6,220 cr, EBITDA −₹190 cr, PAT ₹639 cr, EBITDA margin -3.1%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹6,078 cr, EBITDA −₹54.1 cr, PAT ₹603 cr, EBITDA margin -0.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

UCO Bank earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (23 Jul 2026), Results deck (22 Jul 2026), Results press release (22 Jul 2026)
• Q4 FY26: Earnings call (27 Apr 2026), Results press release (25 Apr 2026)
• Q3 FY26: Results deck (17 Jan 2026), Results press release (17 Jan 2026)
• Q2 FY26: Earnings call (17 Oct 2025), Results deck (17 Oct 2025), Results press release (17 Oct 2025)
• Q1 FY26: Earnings call (21 Jul 2025), Results deck (21 Jul 2025), Results press release (21 Jul 2025)
• Q4 FY25: Results press release (28 Apr 2025)