Provisional Business Figures of the Bank as on 31.03.2026
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 06 Apr 2026, 10:32 AM IST · BSE ID: e1f737a0-6ca3-4eb9-b04d-ea6c14e64dd3
View Original BSE Filing (PDF)
💡
In Simple Terms
UCO Bank's annual business grew 14.59% to Rs. 5.89 lakh crore, with loans growing faster at 19.09%, signaling stronger lending activity.
🤖 AI Summary
- Total business Rs. 5.89 lakh crore, up 14.59% YoY from Rs. 5.14 lakh crore
- Total advances grew 19.09% to Rs. 2.62 lakh crore; domestic advances up 20% to Rs. 2.34 lakh crore
- Total deposits increased 11.22% to Rs. 3.27 lakh crore; domestic deposits up 10.14% to Rs. 3.04 lakh crore
- CD ratio expanded to 80.12% from 74.94%; CASA ratio at 38.48%
- Provisional figures subject to audit by Statutory Central Auditors; filed 6 April 2026
🔢 Key Numbers — exact figures from BSE filing, not rounded
Total Business
Rs. 5.89 lakh crore
14.59%
Total Advances
Rs. 2.62 lakh crore
19.09%
Total Deposits
Rs. 3.27 lakh crore
11.22%
Domestic Advances
Rs. 2.34 lakh crore
20.00%
Domestic Deposits
Rs. 3.04 lakh crore
10.14%
CASA Ratio – Domestic
38.48%
🏢 How This Affects the Company
Business volume expanded 14.59% year-on-year, with advances growing 19.09% — outpacing deposit growth of 11.22% — indicating accelerated lending deployment and market share gains in the domestic segment.
Credit-deposit ratio rose to 80.12% from 74.94%, showing higher leverage of deposit base for advances. Deposit growth lagging advance growth may strain future funding.
Widening CD ratio to 80.12% increases liquidity risk if deposit growth does not sustain. Non-comparable audit status adds uncertainty until full statutory audit completion.
👥 What This Means For Shareholders
✅
Action Required
Monitor the statutory audit completion within 30 days to confirm final audited results; verify no material restatements occur.
👤
Who Is Affected
All equity shareholders hold exposure to balance sheet quality and liquidity metrics. CD ratio expansion at 80.12% directly impacts asset quality risk and funding stability for all investors.
🔍
Management Signal
Aggressive advance growth (19.09%) over deposit growth (11.22%) signals management prioritizes lending expansion and market share over conservative liquidity management.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Statutory audit completion and publication of audited FY26 results; verify no restatements from provisional figures.
Q1 FY27 business update — confirm if deposit growth accelerates to narrow CD ratio gap from 80.12%.
Asset quality metrics in audited results — check NPA ratios given aggressive 19.09% advance growth trajectory.
MEDIUM RISK
Provisional status creates audit uncertainty. CD ratio at 80.12% signals liquidity stress if deposit mobilization weakens. Advance growth outpacing deposits unsustainable long-term.
💡 Investor Takeaway
UCO Bank's FY26 provisional business reached Rs. 5.89 lakh crore, up 14.59% YoY. Advances surged 19.09% to Rs. 2.62 lakh crore while deposits grew 11.22%. CD ratio widened to 80.12%, creating liquidity dependency. Figures are provisional and subject to statutory audit completion.
⚖️ Strengths & Concerns
✅ Positives
- Total advances grew 19.09% YoY to Rs. 2.62 lakh crore; domestic advances up 20%, outpacing deposit growth.
- Total business expanded 14.59% YoY to Rs. 5.89 lakh crore, demonstrating broad-based growth across segments.
⚠️ Concerns
- Deposit growth 11.22% trails advance growth 19.09%, widening CD ratio to 80.12% from 74.94% — liquidity pressure.
- Figures remain provisional; statutory audit not complete. Actual audited results may differ materially from disclosed provisional figures.