UCO BANK Results Analysis-Q4FY26

Interest Earned for Q4FY26 is Rs. 6,656 Crs., 1.31% Negative growth YoY, Net Interest Income is Rs. 2,614 Crs., 3.12% Negative growth YoY, Total Income is Rs. 7,365 Crs., 9.48% growth YoY, Pre-Provisioning Operating Profit is Rs. 1,573 Crs., 7.39% Negative growth YoY, However, PBT is Rs. 1,247 Crs., 20.36% growth YoY (due to improvement in recovery of NPA), Net profit is Rs. 801 Crs., 22.79% growth YoY. On QoQ basis Interest Earned has achieved flat growth, Net Interest Income has achieved flat to negative growth, Total Income and Pre-Provisioning Operating Profit has also achieved flat to negative growth, but PBT grown by 7.96% (due to improvement in recovery of NPA), PAT is grown by 8.34%. Gross NPA reduced by 52 bps YoY to 2.17% as on 31.03.2026, whereas Net NPA reduced by 23 bps YoY to 0.27% as on 31.03.2026. Total Business of the Bank stood at Rs. 5,90,314 Crore as on 31.03.2026 registering a growth of 14.95% on YoY basis, wherein Gross Advances grew by 19.44% on YoY basis to Rs.2,62,752 Crore & Total Deposits grew by 11.59% on YoY basis to Rs.3,27,563 Crore. CASA ratio improved by 74bps to 38.65%.