A Public Sector Bank under Indian government ownership (90.95% held by the President of India), UCO Bank earns revenue across four streams: Retail Banking Operations at Rs 7,740.25 cr (36.3% of segment revenue), Corporate Banking Operations at Rs 7,232.96 cr (33.9%), Treasury Operations at Rs 6,313.6 cr (29.6%), and Other Banking Operations at Rs 49.93 cr (0.2%) for the period ending 31 December 2024. As of Q1 FY27 the bank carried total business of Rs 6,05,083 cr, comprising advances of Rs 2,72,768 cr (up 21.18% YoY) and deposits of Rs 3,32,315 cr (up 11.28% YoY), with a credit-deposit ratio of 82%. The bank runs a network of 3,412 branches, 2,647 ATMs and 11,136 business correspondent units across 28 states and 8 union territories, plus 3 international locations, supported by 20,993 permanent staff. Net interest income of Rs 2,808 cr and a global NIM of 3.05% indicate lending-and-deposit spreads are the core earnings engine, supplemented by fee income and treasury gains. Asset quality has tightened sharply — gross NPA fell to 2.08%, net NPA to 0.25% with provision coverage at 97.85% in Q1 FY27. Its biggest cost line is interest paid on deposits and borrowings, while operating expenses are tracked via a cost-to-income ratio of around 50% on a normalised basis. AR · MarketPing reader · 2026-08-02
Revenue streams, as the annual report describes them. Retail Banking Operations (36%), Corporate Banking Operations (34%), Treasury Operations (30%), Other Banking Operations (0%). Cyclical, asset-heavy public sector banking — earnings move with credit growth, NIM and asset-quality cycles.
| ₹ crore · consolidated | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| EBITDA (ex other income) | — | — | — | — |
| margin % | — | — | — | — |
| Owners' profit | 895 | 1,826 | 1,672 | 2,468 |
| EPS, as reported (₹) | 0.77 | 1.53 | 1.40 | 2.06 |
| ROE % · ROCE % | — · — | — · — | — · — | — · — |
| Debt / equity (x) | — | — | — | — |
| Cash from operations | 1,750 | 2,905 | 2,569 | 3,834 |
| Capex | — | — | — | — |
| ₹ crore | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Profit before tax | 347 | 640 | 777 | 806 | 862 | 939 | 996 | 1,036 |
| Net profit | 223 | 402 | 503 | 526 | 551 | 603 | 639 | 652 |
| EPS (₹) | 0.19 | 0.34 | 0.42 | 0.45 | 0.45 | 0.50 | 0.54 | 0.56 |
| Segment | Revenue, ₹ crore | Share % |
|---|---|---|
| Corporate Banking Operations | 7,233 | 33.9 |
| Other Banking Operations | 50 | 0.2 |
| Retail Banking Operations | 7,740 | 36.3 |
| Treasury operations | 2,093 | 9.8 |
| Treasury Operations | 4,220 | 19.8 |
| Total, before eliminations | 21,337 | 100.0 |
| Company | M.cap ₹ cr | P/E | P/B | EV/EBITDA | ROE % | ROCE % | Rev CAGR 5y % | EBITDA m. % |
|---|---|---|---|---|---|---|---|---|
| Date · filing | Category | Importance | 1-day % | 5-day % |
|---|---|---|---|---|
| 10 Sept 2026 · UCO Bank informs exchange about strike notice from UFBU | business updates | high | — | — |
| 7 Sept 2026 · Benchmark rates revised - select TBLR and G-Sec rates hiked | business updates | low | — | — |
| 25 Aug 2026 · UCO Bank: MD and CEO additional charge extended for 3 months | management changes | high | — | — |
| 25 Aug 2026 · Extension of Additional Charge of MD & CEO to Shri Rajendra Kumar Saboo | management changes | high | — | — |
| 24 Aug 2026 · UCO Bank Board approves USD 1 Billion foreign currency raise via MTN | fund raising | medium | — | — |
| 19 Aug 2026 · UCO Bank board to consider foreign currency fund raising via MTN Programme | fund raising | medium | — | — |
| 14 Aug 2026 · UCO Bank CD Rating Reaffirmed by CRISIL at A1 Plus | credit debt | medium | — | — |
| 13 Aug 2026 · UCO Bank appoints Manohar Lal Paliwal as Non-Official Director | management changes | medium | — | — |
| 13 Aug 2026 · UCO Bank appoints Manohar Lal Paliwal as Non-Official Director | management changes | medium | — | — |
| 7 Aug 2026 · UCO Bank revises benchmark rates; MCLR unchanged, TBLR cut, G-Sec rates up | business updates | medium | — | — |
| Where a broker report shows | This document shows | Why |
|---|---|---|
| A rating (BUY / ADD / REDUCE / SELL) | A state: the latest filed quarter and the measured reactions |
| STATE BANK OF INDIA |
| 9,19,091 |
| 10.7 |
| — |
| — |
| — |
| — |
| — |
| — |
| UNION BANK OF INDIA | 1,35,955 | 6.6 | — | — | — | — | — | — |
| PUNJAB NATIONAL BANK | 1,34,180 | 6.1 | — | — | — | — | — | — |
| BANK OF BARODA | 1,23,295 | 6.8 | — | — | — | — | — | — |
| INDIAN BANK | 1,14,963 | 9.0 | — | — | — | — | — | — |
| CANARA BANK | 1,12,476 | 5.7 | — | — | — | — | — | — |
| BANK OF MAHARASHTRA | 64,763 | 8.6 | — | — | — | — | — | — |
| INDIAN OVERSEAS BANK | 63,759 | 10.8 | — | — | — | — | — | — |
| Metric | Company | Group median | Rank | Better than |
|---|---|---|---|---|
| P/E (TTM) | 11.8 | 7.7 | 12 of 12 | 0% |
| Profit growth | 24.1 | 28.3 | 8 of 12 | 36% |
| Market cap | 30220 | 88620 | 10 of 12 | 18% |
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| A target price and upside | The current price and the multiples against the group | a target is a forecast; a multiple is a measurement |
| Estimate years marked E | More audited years; no estimates | MarketPing publishes no forecasts — your own model lives on the Models page |
This document is a statistical summary of publicly filed information and market data, prepared by software from primary sources: SEBI results XBRL filed with BSE and NSE, LODR disclosures, shareholding patterns, exchange price data. It contains no research recommendation, no price target and no opinion on the merits of any security, and is not a research report within the meaning of the SEBI (Research Analysts) Regulations, 2014, Regulation 2(1)(w)(vii). Financial statements are as filed (consolidated where the company files consolidated results). Ratios are computed over filed lines. Where a figure is unavailable the table shows a dash rather than an estimate. The business brief is written by MarketPing's reader from the annual report and checked against it; no figure in a table was generated by a model. Nothing here constitutes investment advice, an offer or a solicitation; readers should consult a SEBI-registered adviser before acting. MarketPing is not a SEBI-registered intermediary.
