UCO Bank532505Public sector banking
Live TV News Channel's 'Know Your Company' segment analysed Uco Bank, a PSU bank, covering its business mix, financials, valuation and ratings across multiple parameters
By ScoutQuest · · 1 min read
- Domestic branches
- 3,400 odd branches
- East India branch share
- 30 percent
- North India branch share
- 24 percent
- Deposit franchise
- 3,49,000 crore rupees
- Advances book
- 2,87,000 crore rupees
Heard on business television between 11:31:23 - 11:34:23 IST.
- Uco Bank has about 3,400 domestic branches, with 30% in East India, 24% in North and 24% in Central India.
- Deposit franchise stands at 3,49,000 crore rupees with an advances book of 2,87,000 crore rupees; retail loans are 29.9%, agriculture 16%, MSME 20%, and corporate 34.2% of the book.
- Q2 FY27 profit was strong at 786 crore rupees though income statement and balance sheet growth was slower than private and other public banks; GNPA and NNPA improved with NNPA at 0.18%.
- NIM at 3.19% was in line with peers, but ROA at 0.8% and ROE lagged larger peers like SBI and ICICI Bank; stock down 25% over the last year and five-year return of 64% versus 95% for SBI.
- Valuation at 0.8 times price-to-book is the highest in five-six years amid improved asset quality; management guided FY27 deposit growth of 10-12% and credit growth of 12-14%, with Q2 actuals already exceeding both, and credit cost targeted below 0.65-0.75%.
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Q2 FY27 call: gross advances up 24.70%, net profit at Rs.786 crore, NPA ratios improve
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Source: Live TV News Channel · 16 Oct 2026
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