UCO Bank Q1 FY27 Net Profit at ₹656 Crore, Up 8.05%; Total Business Rs.6.05 Lakh Crore
UCO Bank reported Q1 FY27 net profit of ₹656 Crore, an 8.05% YoY increase. Total business reached ₹6.05 Lakh Crore, up 15.53%. Gross advances grew 21.18% to ₹2.73 Lakh Crore, and deposits rose 11.28% to ₹3.32 Lakh Crore. Operating profit surged 79.84%. Gross NPA decreased to 2.08%.
The results show positive growth across key financial metrics and improvements in asset quality, which are material for investors and stakeholders. However, it does not involve any major strategic shifts or highly exceptional performance that would warrant a 'HIGH' impact.
The bank reported growth in net profit, total business, advances, deposits, and operating profit, along with a reduction in NPAs, indicating a positive financial performance.
UCO Bank has announced its unreviewed financial results for the quarter ended June 30, 2026. The bank reported a net profit of ₹656 Crore for the quarter, an increase of 8.05% year-on-year compared to ₹607 Crore in the same period last year.
Total business of the bank reached ₹6,05,083 Crore as of June 30, 2026, marking a 15.53% year-on-year growth. Gross advances grew by 21.18% to ₹2,72,768 Crore, while total deposits increased by 11.28% to ₹3,32,315 Crore.
The bank also saw significant growth in its CASA (Current Account Savings Account) deposits, which stood at ₹1,16,136 Crore, a 12.34% year-on-year increase. The CASA ratio was reported at 36.94%.
Advances in the Retail, Agriculture & MSME (RAM) sectors collectively grew by 25.27% to ₹1,57,745 Crore. Specifically, Retail advances grew by 27.32%, Agriculture advances by 30.01%, and MSME advances by 18.79%.
Profitability metrics showed a strong performance, with Operating Profit growing by 79.84% year-on-year to ₹2,810 Crore. Net Interest Margin (NIM) globally stood at 3.05% and domestic NIM at 3.24%.
Asset quality improved, with Gross NPA reducing by 55 basis points year-on-year to 2.08% and Net NPA reducing by 20 basis points to 0.25% as of June 30, 2026. The Provision Coverage Ratio was maintained at 97.85%. The Capital Adequacy Ratio (CRAR) stood at 19.03%.
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