UCO Bank
UCO Bank Q4 FY26 earnings call: Revenue & Margins
Q4 FY26 earnings call: what management guided on revenue, margins and order book.
What the Q4 FY26 call signalled
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The short version
UCO Bank projects credit growth guidance for FY27 at 12-14%, continuing a consistent trend over the years, despite past achievements exceeding targets (19.44% actual growth in FY26). Guidance for FY27 includes: - Credit growth target: 12-14%, consistent with past years' guidance. - Deposit growth: 10-12%. - CASA ratio: Maintain 37-38%. - RAM segment growth: 62-65%. - CD ratio: 80-82%. - Credit cost targeted below 0.75% (improved from previous). - NIM (global): 2.8-2.9%. - Gross NPA expected under 2%, Net NPA under 0.2%. - Slippage ratio expected below 1%. - Recovery and upgradation target at Rs.
From UCO Bank's Q4 FY26 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- UCO Bank projects credit growth guidance for FY27 at 12-14%, continuing a consistent trend over the years, despite past achievements exceeding targets (19.44% actual growth in FY26).
- Deposit growth guidance remains steady at 10-12%, with a focus on retail franchise (savings, current accounts) over bulk deposits.
- CASA ratio guidance stays at 37-38%, with actual CASA at 38.65% and ongoing efforts to increase CASA and net interest margin.
- The bank aims to improve ROA from 0.87% toward 0.95-1% by end of next financial year through enhanced NIM, CASA growth, and TWO recovery.
- Digital initiatives (Project Parivartan) expand digital business, improving customer engagement and loan product penetration.
2 more points management made on revenue & sales performance
Profitability & Margins
See what UCO Bank said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- IT budget for FY26 approved at over Rs.1,000 crore; spend increased from Rs.576 crore in FY24 to Rs.899 crore in FY26.
- Ongoing and planned projects under digital transformation (Project Parivartan Phase 2):
- Omnichannel banking experience.
- Cash management services.
- Supply chain finance.
- Robotic process automation.
- Digital marketing solutions.
- Forex and prepaid card solutions.
- Document management system.
- E-note facility to remove paper from the system.
- Cybersecurity improvements including identity access management and centralized log management.
- Conversion of call center into profit center.
- Centralized monitoring for credit loans via ED CAM portal.
- Transformation Management vertical headed at GM level.
- Additional WhatsApp banking services.
2 more points management made on capital expenditure plans
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
See what UCO Bank said on fundraising & capital structure — free account, 30 seconds.
Order Book & Pipeline
- The current pipeline in the Corporate segment is around Rs. 14,000 crore.
- Certain sanctions are already in place, but disbursement is delayed due to pricing issues.
- The bank is cautious about credit growth in the Corporate segment and does not want to compromise on margins.
2 more points management made on order book & pipeline
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What UCO Bank's management said in earlier quarters
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Frequently Asked Questions
What were UCO Bank Q4 FY26 results?
UCO Bank projects credit growth guidance for FY27 at 12-14%, continuing a consistent trend over the years, despite past achievements exceeding targets (19.44% actual growth in FY26). Guidance for FY27 includes: - Credit growth target: 12-14%, consistent with past years' guidance. - Deposit growth: 10-12%. - CASA ratio: Maintain 37-38%. - RAM segment growth: 62-65%. - CD ratio: 80-82%. - Credit cost targeted below 0.75% (improved from previous). - NIM (global): 2.8-2.9%. - Gross NPA expected under 2%, Net NPA under 0.2%. - Slippage ratio expected below 1%. - Recovery and upgradation target at Rs.
What is UCO Bank share price analysis?
UCO Bank currently shows a below-average growth signal. The stock trades at a P/E of 11.4 with a market cap of ₹32,252 Cr. Investors should review the full earnings analysis for detailed insights.
Is UCO Bank planning capital expenditure?
IT budget for FY26 approved at over Rs.1,000 crore; spend increased from Rs.576 crore in FY24 to Rs.899 crore in FY26.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.