UCO Bank Q1 FY27 earnings call transcript filed with exchanges
UCOBANK · price
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UCO Bank filed transcript of Q1 FY27 post-earnings call with analysts held on July 23, 2026. Total business grew 15.5% YoY to Rs 6.05 lakh crore, with advances up 21% and deposits up 12%. Operating profit jumped 79.8% to Rs 2,810 crore supported by Rs 1,018 crore technical written-off recovery. Net profit grew only 8% to Rs 656 crore due to a one-time Rs 1,237 crore DTA charge from shift to new tax regime. GNPA improved to 2.08% and Net NPA to 0.25%. NIM reached 3.05% versus 2.8-2.9% guidance. ROA guided near 1% by year-end. Credit pipeline of Rs 15,000 crore disclosed.
Strong business growth and improving asset quality. One-time tax charge masked underlying profit growth. Margin guidance and credit pipeline are positive signals.