UCO Bank Announces Reviewed Quarterly Financial Results for June 2026, Details on Profitability and Asset Quality
UCO Bank has released its unaudited financial results for the quarter ending June 30, 2026. The results, which were reviewed and approved by the Board of Directors, show specific performance metrics across various banking segments and maintain key ratios concerning asset quality.The bank reported a total income of ₹4,64,224 lakh for the quarter. Operational figures included an Operating Profit before tax of ₹2,57,493 lakh, leading to a Net Profit after tax of ₹65,632 lakh in the period.
Segmental Performance and Revenue Breakdown
The performance review covered multiple business segments, including Treasury Operations, Corporate Banking Operations, and Retail Banking Operations. Total revenue for the quarter stood at ₹8,18,307 lakh.Revenue generation was distributed across key operational areas:
- Treasury Operations generated ₹2,09,599 lakh in revenue.
- Corporate Banking Operations contributed ₹3,34,174 lakh to revenue.
- Retail Banking Operations recorded ₹3,14,622 lakh in revenue.
Asset Quality and Provisioning Coverage
Management noted that the Non-Performing Loan (NPL) Provisioning Coverage Ratio stood at 92.85% as of June 30, 2026, compared to 91.61% recorded during the quarter ended June 30, 2025.Furthermore, regarding prudential norms, the bank has provided a forward-looking provision of ₹1,037.59 crore against Expected Credit Loss (ECL) as of June 30, 2026. The Bank also continues to hold a COVID-19 related contingency provision amounting to ₹530 crore.
Financial Position and Balance Sheet Summary
As per the unaudited statement of assets and liabilities for the quarter ended June 30, 2026, the bank reported:- Total Deposits stands at ₹3,32,31,524 lakh.
- Total Loans stand at ₹2,67,77,629 lakh.
- Paid-up Equity share capital is reported at ₹12,53,956 lakh.
Detailed Financial Performance (in Lakh)
The following table provides a consolidated view of the P&L and financial standing:| Particulars | Quarter Ended 30 June 2026 (Reviewed) | 31 March 2026 (Audited) | 30 June 2025 (Reviewed) | Year Ended 31 Mar 2026 (Audited) |
|---|---|---|---|---|
| Total Income (1+2) | ₹4,64,224 | ₹7,35,522 | ₹7,43,721 | ₹29,74,098 |
| Operating Profit before tax | ₹2,57,493 | ₹1,24,711 | ₹94,620 | ₹4,17,349 |
| Net Profit after tax (from Ordinary Activities) | ₹65,632 | ₹80,115 | ₹60,744 | ₹2,76,746 |
| Paid-up Equity share capital | ₹12,53,956 | ₹12,53,956 | ₹12,53,955 | ₹12,53,955 |
Segmental Income Details
A breakdown of the bank's revenue across various segments highlights performance in Treasury Operations and Corporate Banking. The segmental results reflect contributions from different parts of the business portfolio, including Digital banking operations.The following table outlines key segment activities:
| Particulars | Quarter Ended 30 June 2026 (Reviewed) | 31 March 2026 (Audited) | 30 June 2025 (Reviewed) | Year Ended 31 Mar 2026 (Audited) |
|---|---|---|---|---|
| Total Revenue | ₹8,18,307 | ₹6,95,838 | ₹6,95,725 | ₹21,97,709 |
| Treasury Operations Revenue | ₹2,09,599 | ₹1,81,247 | ₹2,74,396 | ₹8,03,096 |
| Corporate Banking Operations Revenue | ₹3,34,174 | ₹2,20,442 | ₹2,78,660 | ₹10,98,199 |
| Retail Banking Operations Revenue | ₹3,14,622 | ₹2,70,175 | ₹2,45,679 | ₹10,66,637 |
Statutory and Regulatory Disclosures
The company also provided detailed information regarding compliance and risk management. A table outlining the status of funds raised by the bank indicates that no funds were raised during the quarter ended June 30, 2026.| Metric | UCO Bank (Q Ended 30.06.2026) |
|---|---|
| Funds Raised During Quarter | Nil |
| Deviation/Variation in use of funds raised? | No |
The bank also reported details on the distribution of Stressed Assets, as per various RBI directives. One table showing the distribution of Senior Secured Loans (SSL) shows:
| Particulars | Amount Involved (₹ in Crore) | Provisions held (₹ in Crore) |
|---|---|---|
| Total SSL accounted for | 4190 | 353.87 |
UCOBANK Stock Price Movement
Shares of UCO Bank on Wednesday slipped by 1.15% to settle at ₹26.55, falling ₹0.31 from the previous close. The stock traded in a day characterized by high volume, with shares ranging between a low of ₹26.46 and a high of ₹26.94.Disclaimer: Due care and diligence have been taken in compiling and presenting news and market-related content. However, errors or omissions may arise despite such efforts.
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