UCO Bank — Investor Meet, 28-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

UCO Bank's Q1 FY26 earnings call showed robust business growth. Total business crossed ₹5.23 lakh Cr (+13.51% YoY), with advances up 16.48% and deposits up 11.37%. Asset quality improved significantly, with Gross NPA at 2.63% and Net NPA at 0.45%. Operating profit grew 18% to ₹1,562 Cr, and Net profit rose 10% to ₹607 Cr. The cost-to-income ratio reached a 7-8 quarter low of 54.06%. Management aims for 1% Return on Assets by Q1/Q2 FY27 and maintains credit growth guidance of 12-14%, driven by strong RAM segment performance. Digital transformation continues with 22 new services live and more planned.