Business Growth Performance

  • Total Business stood at ₹6,05,083 crore as of 30.06.2026, registering 15.53% year-on-year (YoY) growth
  • Gross Advances grew by 21.18% YoY to ₹2,72,768 crore
  • Total Deposits grew by 11.28% YoY to ₹3,32,315 crore
  • Credit to Deposit Ratio stood at 82.08% as of 30.06.2026, compared to 75.38% as of 30.06.2025

CASA Performance

  • Total CASA stood at ₹1,16,136 crore as of 30.06.2026, registering 12.34% YoY growth
  • Savings Deposit stood at ₹1,00,870 crore with 11.78% YoY growth
  • Current Deposit stood at ₹15,266 crore with 16.23% YoY growth
  • CASA Ratio stood at 36.94%

RAM Segment Advances

  • Retail, Agriculture & MSME (RAM) segment increased by 25.27% YoY to ₹1,57,745 crore
  • Retail advances grew 27.32% YoY to ₹71,549 crore, backed by:
  • Home loan portfolio growth of 19.98% YoY
  • Vehicle loan portfolio growth of 65.45% YoY
  • Agriculture advances grew 30.01% YoY to ₹38,952 crore
  • MSME advances grew 18.79% YoY to ₹47,244 crore

Profitability Metrics (Quarter Ended 30.06.2026)

  • Net Profit stood at ₹656 crore compared to ₹607 crore in Q1 FY2026, registering 8.05% YoY growth
  • Operating Profit showed impressive growth of 79.84% YoY to ₹2,810 crore
  • Net Interest Income (NII) grew by 16.86% YoY to ₹2,808 crore from ₹2,403 crore
  • Net Interest Margin (NIM):
  • Global NIM improved by 9 bps YoY to 3.05%
  • Domestic NIM improved by 6 bps YoY to 3.24%
  • Cost of fund improved by 37 bps YoY to 4.36%
  • Yield on Advances (Domestic) stood at 8.14%
  • Cost to Income ratio stood at 37.49%
  • Return on Asset (ROA) stood at 0.68%
  • Fee based Income grew by 35.12% YoY to ₹505 crore from ₹374 crore

Asset Quality Indicators

  • Gross NPA reduced by 55 bps YoY to 2.08% as of 30.06.2026
  • Net NPA reduced by 20 bps YoY to 0.25% as of 30.06.2026
  • Provision Coverage Ratio stood at 97.85%
  • Tangible PCR stood at 88.08%
  • Slippage Ratio for the quarter stood at 0.63% (Annualized)

Capital Adequacy

  • Capital Adequacy Ratio (CRAR) stood at 19.03% as of 30.06.2026
  • Tier I Capital Ratio stood at 17.44%

Operational Efficiency Metrics

  • Business per employee improved to ₹28.47 crore from ₹24.64 crore YoY
  • Business per branch improved to ₹176.77 crore from ₹158.37 crore YoY

Branch Network

  • Total number of branches: 3,421 Domestic branches
  • 2 overseas branches: Hong Kong and Singapore
  • 1 Representative Office in Iran
  • 61% of Domestic Branches are spread in Rural & Semi-Urban regions

Additional Information

  • The results are unaudited but reviewed
  • The press release was submitted pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015
  • Signed by Vikash Gupta, Company Secretary of UCO Bank