Financials of UCO Bank

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of UCO Bank

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +4,9875,2245,2195,5525,8606,0246,0786,2206,7456,4366,5376,6526,656
Interest3,0153,2153,3023,5643,6723,7703,7783,8424,0464,0334,0044,0064,042
Expenses +2,0252,2951,9242,0722,5072,2272,3552,5673,0552,4542,3922,3602,076
Financing Profit-53-286-7-84-31927-54-190-356-51141286538
Financing Margin %-1%-5%-0%-2%-5%0%-1%-3%-5%-1%2%4%8%
Other Income +9606336478611,1258359931,1861,392997884869709
Depreciation0000000000000
Profit before tax9073476407778068629399961,0369461,0251,1551,247
Tax %36%36%37%35%35%36%36%36%37%36%40%36%36%
Net Profit +581223402503526551603639652607620740801
EPS in Rs0.490.190.340.420.440.460.500.530.520.480.490.590.64
Gross NPA %4.78%4.48%4.14%3.85%3.46%3.32%3.18%2.91%2.69%2.63%2.56%2.41%2.17%
Net NPA %1.29%1.18%1.11%0.98%0.89%0.78%0.73%0.63%0.50%0.45%0.43%0.36%0.27%

Financials of UCO Bank

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +19,35918,56116,32614,02014,33115,13414,44614,98117,65121,85425,06726,281
Interest13,79713,71312,50910,89510,01910,0428,9668,50810,30713,75415,43716,085
Expenses +5,84910,7686,7898,52112,75311,5398,8457,6586,7298,5179,8928,910
Financing Profit-286-5,920-2,972-5,396-8,441-6,446-3,365-1,185614-416-2621,286
Financing Margin %-1%-32%-18%-38%-59%-43%-23%-8%3%-2%-1%5%
Other Income +2,0041,5962,1141,1211,5142,8713,4243,1012,5083,2664,4073,460
Depreciation136137153152137137134165218281311372
Profit before tax1,582-4,460-1,011-4,427-7,065-3,713-751,7502,9052,5693,8344,373
Tax %28%-37%83%0%-39%-34%-321%47%36%36%36%37%
Net Profit +1,138-2,799-1,851-4,436-4,321-2,4371679301,8621,6542,4452,768
EPS in Rs10.58-26.03-11.87-19.22-7.97-2.460.170.781.561.381.952.21
Dividend Payout %19%0%0%0%0%0%0%0%0%20%20%20%

Financials of UCO Bank

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital1,0761,0761,5602,3085,4239,9189,91811,95611,95611,95612,54012,540
Reserves11,47311,44611,19412,64911,9689,29112,68811,63813,80915,40118,46520,710
Deposits215,957207,118201,285181,849197,907193,203205,919224,073249,338263,130293,542327,563
Borrowing8,63317,2409,53512,4498,32415,69515,38313,50820,50125,33128,68723,310
Other Liabilities +8,7798,0027,7676,8006,8637,8009,4286,6095,2607,8739,24711,737
Total Liabilities245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481395,858
Fixed Assets +1,0662,8782,8432,8672,8142,8323,1513,2873,4443,7173,7914,126
CWIP4866888674865656174
Investments64,22383,97474,01970,96282,23290,99993,78396,87495,16992,90494,27298,777
Other Assets +180,580158,024154,471142,219145,430142,069156,335167,575202,184227,006264,357292,881
Total Assets245,917244,883231,340216,056230,484235,908253,336267,784300,863323,691362,481395,858

Financials of UCO Bank

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +7,861-2,978-3,852-9,0824,190-10,6582,4224,3992,9831,0021,913-10,584
Cash from Investing Activity +-151-52-217-2444-250106-214-67-275-680-681
Cash from Financing Activity +-553-5793,6095,7545,4504,2833,266-1,637-336-4305,870-977
Net Cash Flow7,157-3,610-459-3,3529,684-6,6265,7942,5482,5802977,102-12,242
Free Cash Flow7,688-3,122-3,991-9,1874,139-10,7822,2584,1892,7017031,576-11,015
CFO/OP58%-38%-40%-165%266%-296%43%60%27%8%13%-61%

Financials of UCO Bank

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %10%-22%-15%-32%-27%-13%0%4%8%6%8%9%