UCO BANK Q4 FY26 Results

Summary

UCO Bank reported strong financial performance for the quarter and fiscal year ended March 31, 2026, with total business growing by 14.95% year-on-year to ₹5,90,314 Crore. Net profit for Q4 FY26 increased by 22.66% to ₹801 Crore, contributing to a full-year net profit of ₹2768 Crore, up 13.21% year-on-year. The bank showcased robust asset growth, with gross advances up 19.44% and total deposits up 11.59% year-on-year, alongside an improved CASA ratio of 38.65%. Asset quality improved significantly, as Gross NPA reduced to 2.17% and Net NPA to 0.27%, reflecting a healthier balance sheet.

Key Highlights

1. 1

   UCO Bank's total business reached ₹5,90,314 Crore as of March 31, 2026, marking a significant 14.95% year-on-year growth.

2. 2

   Net profit for the fourth quarter of FY26 surged by 22.66% year-on-year to ₹801 Crore, while full-year net profit for FY26 grew by 13.21% to ₹2768 Crore.

3. 3

   Gross advances expanded by 19.44% year-on-year to ₹2,62,752 Crore, with total deposits also increasing by 11.59% to ₹3,27,563 Crore.

4. 4

   The bank demonstrated improved asset quality, with Gross Non-Performing Assets (NPA) reducing by 52 basis points year-on-year to 2.17%, and Net NPA falling by 23 basis points to 0.27% as of March 31, 2026.

5. 5

   CASA (Current Account Savings Account) deposits grew by 12.46% year-on-year to ₹1,17,752 Crore, leading to an improvement in the CASA ratio by 74 basis points to 38.65%.

6. 6

   The Capital Adequacy Ratio (CRAR) remained robust at 18.61% as of March 31, 2026, supported by a Tier I Capital Ratio of 16.59%.

7. 7

   A dividend of 4.40% (₹0.44 per equity share) has been proposed for the fiscal year 2025-26, pending shareholder approval.