UCO Bank · NSE:UCOBANK
UCO Bank — Non-Deal Roadshow (November 2026)
43 slides from UCO Bank's roadshow presentation, Nov 2, 2026
Slide 1: Exchange filing cover letter: Update on Non-deal Roadshow
यूको बक UCO BANK स मान आपके िव ास का Honours Your Trust ________________________________________________________________________________ HO/Finance/Share/134/2026-27 Date: 02.11.2026 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” Phiroze Jeejeebhoy Towers Plot no. C/1, G Block Da
Slide 2: Investor Presentation Fixed Income Non-Deal Roadshow
Investor Presentation Fixed Income Non-Deal Roadshow November 2026
Slide 3: Table of Contents
Table of Contents 01 About the Bank Page 3 02 Macroeconomic Update Page 7 03 Key Credit Highlights Page 9 04 Business Overview and Portfolio Mix Page 11 05 Key Financial Indicators Page 23 06 Appendix Page 34 Financial Results: September Quarter, Financial Year 2026–27 2
Slide 4: About the Bank
About the Bank UCO BANK
Slide 5: Our Presence
Our Presence Founded in 1943, UCO Bank is a Kolkata-headquartered public sector commercial bank with nationwide presence and overseas operations within major international financial centers – Hong Kong and Singapore. Domestic International ATM BCs Branches Branches 1. Hongkong 2. Singapore 3439 3. I
Slide 6: Business Network
Business Network UCO Bank’s nationwide network includes specialized lending hubs and more than 21,000 employees. J&K-26 Loan Processing Offices LA State-wise Number of Retail Loan Hubs 50 Branches HP-184 SME & Agri Hubs 49 PB-181 CH-12 UK-61 Integrated Hubs 9 HR-108 AR-5 DL-62 SK-7 Total 108 UP-324
Slide 7: Shareholding & Ratings
Shareholding & Ratings UCO Bank is 90.95% government-owned and holds a Fitch BBB- issuer rating with a Stable Outlook. Shareholding Pattern 30.09.2026 STABLE BANK RATING Others 4.84 Long-term Issuer Rating (International) DIIs 4.15 Fitch Ratings BBB-(Stable Outlook) FII 0.06 Basel III S.N Rating Age
Slide 8: Macroeconomic Update
Macroeconomic Update UCO BANK
Slide 9: Major Economic Highlights
Major Economic Major Highlights Economic Highlights As of 27 Oct 2026. September IIP due 28 Oct. Sources and periods in notes. 1. Major Highlights & Growth Drivers 2. Growth Projections (%) India: FY2026-27 World: CY2026 GDP Growth ➢ India entered FY2026-27 with strong growth OECD 2.9 momentum. Real
Slide 10: Key Credit Highlights
Key Credit Highlights UCO BANK
Slide 11: Key Credit Highlights
Key Credit Highlights ✓ UCO holds a BBB-/Stable Long-Term IDR from Fitch, aligned with India’s sovereign rating, reflecting a Government Support and high probability of strong state support if required. 1 Investment Grade Rating ✓ 91% state ownership and the government’s support record underpin the
Slide 12: Business Overview and Portfolio Mix
Business Overview and Portfolio Mix
Slide 13: Major Highlights (Sep-26 Quarter)
Major Highlights (Sep-26 Quarter) Business Business Deposit Savings (Domestic) Current Deposit CASA (Domestic) ₹ 6,372.80 Bn ₹ 3,495.90 Bn ₹ 1,037.36 Bn ₹ 185.23 Bn ₹ 1,222.59 Bn 18.81% (Y-Y) 14.36% (Y-Y) 9.10% (Y-Y) 19.70% (Y-Y) 10.59% (Y-Y) Advance Agriculture MSME Home Loan Retail Vehicle Loan ₹
Slide 14: Total Business (FY)
Total Business (FY) 3yr CAGR FY23-26: Global Business – 12.8%; Global Deposits – 9.5%; Global Advances – 17.6%. 7000 3yr Business Business Mix (INR bn) Mar-23 Mar-24 Mar-25 Mar-26 CAGR (%) 5,903 6000 Global Business 4,110 4,500 5,135 5,903 12.8% 5,135 5000 4,500 Domestic 3,802 4,122 4,717 5,391 12.3
Slide 15: Total Business (Sep-26 Quarter)
Total Business (Sep-26 Quarter) Global business grew 18.8% YoY, with advances up 24.7% and deposits up 14.4%. 6500 Business 6,373 Business Mix (INR bn) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 6,051 6000 Global Business 5,364 6,051 6,373 5.3 18.8 5500 5,364 Domestic 4,939 5,589 5,892 5.4 19.3 5000 Sep-2
Slide 16: Global Deposits (FY)
Global Deposits (FY) 3yr CAGR FY23-26: Domestic Deposits – 8.2%; CASA Domestic – 8.9%; Overseas Deposits – 38.6%. Savings 3yr 1100 Particulars (INR bn) Mar-23 Mar-24 Mar-25 Mar-26 CAGR (%) 1000 1,010 900 1. Domestic Deposits 2,407 2,500 2,762 3,047 8.2% 904 800 860 810 700 a) Current Deposits 100 12
Slide 17: Global Deposits (Sep-26 Quarter)
Global Deposits (Sep-26 Quarter) Global deposits grew 14.4% YoY, with domestic CASA balances increasing 10.6%. Savings 1100 Particulars (INR bn) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 1000 1,037 1,009 1. Domestic Deposits 2,901 3,144 3,325 5.7 14.6 900 951 800 a) Current Deposits 155 153 185 21.3 19.7
Slide 18: Domestic Advances (FY)
Domestic Advances (FY) 3yr CAGR FY23-26: Domestic Advances – 18.9%; RAM – 21.2% % Share in Domestic Advance including Corporate & Others 3yr Particulars Mar-23 Mar-24 Mar-25 Mar-26 CAGR (INR bn) (%) 25.1% 24.7% 27.8% 29.3% 1. Domestic Advances 1,394 1,623 1,955 2,344 18.9% a) Retail 350 402 543 687
Slide 19: Domestic Advances (Sep-26 Quarter)
Domestic Advances (Sep-26 Quarter) Domestic advances grew 26.0% YoY, with RAM lending at 65.7% of the portfolio. % Share in Domestic Advance including Corporate & Others Particulars Growth Growth Sep-25 Jun-26 Sep-26 (INR bn) (Q-Q) % (Y-Y) % 28.9% 29.3% 29.9% 1. Domestic Advances 2,038 2,445 2,567 5
Slide 20: Retail Mix (Sep-26 Quarter)
Retail Mix (Sep-26 Quarter) Retail advances grew 30.2% YoY, with home loans at 47.3% of the portfolio. % Share in Total Retail Advance Sep-26 Particulars Growth Growth Sep-25 Jun-26 Sep-26 (INR bn) (Q-Q) % (Y-Y) % Home Loan 302.4 346.0 363.7 5.1 20.3 26.0% Vehicle Loan 60.1 87.4 97.4 11.4 61.9 47.3%
Slide 21: Agriculture
Agriculture Agriculture advances grew 29.6% YoY, led by 32.5% growth in farm credit. Agriculture (INR bn) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 1. Farm Credit (Crop, Investment & Allied) 273.3 342.7 362.0 5.6 32.5 2. Agri Infrastructure & Ancillary Activities 43.2 46.8 48.2 2.9 11.5 3. Total (1+2) 31
Slide 22: MSME Portfolio Mix
MSME Portfolio Mix MSME advances grew 20.3% YoY, with micro enterprises at 64.3% of the portfolio. TOTAL MICRO SMALL MEDIUM INR 509.05 Bn Q-Q 7.75% Y-Y 20.32% INR 167.8 Bn INR 14.1 Bn INR 327.1 Bn ( 32.96%) ( 2.77%) ( 64.26%) INR 509.1 Bn INR 149.2 Bn INR 14.7 Bn INR 308.6 Bn (31.58%) (3.11%) (65.31
Slide 23: Digital Business Performance
Digital Business Performance Retail Assets (in INR Bn) Agri Assets (in INR Bn) Total Digital Business Growth (in INR Bn) Sep-25 Jun-26 Sep-26 Sep-25 Jun-26 Sep-26 Y-o-Y Q-o-Q 313% 40% 22.4 135.4 208.3 4.2 9.1 11.9 Y-o-Y Growth Q-o-Q Growth Y-o-Y Growth Q-o-Q Growth 830% 54% 185% 31% 485.9 MSME Asset
Slide 24: Key Financial Ratios
Key Financial Ratios UCO BANK
Slide 25: Key Financial Indicator
Key Financial Indicator Quarterly RoA improved to 0.80% and RoE to 11.42%, alongside higher earnings per share. Quarter Ended Half Year Ended Financial Year Particulars Sep-25 Jun-26 Sep-26 Sep-25 Sep-26 25-26 Cost of Deposits (%) 4.73% 4.70% 4.75% 4.79% 4.72% 4.72% Cost of Funds (%) 4.57% 4.36% 4.4
Slide 26: Key Financial Indicator (Qtr.)
Key Financial Indicator (Qtr.) Global advance yield held at 7.79% QoQ, while funding costs remained below a year earlier. Yield on Advance Global (%) Yield on Advance Domestic (%) Cost of Funds (%) 8.44 4.57 8.06 8.06 8.39 4.48 4.47 4.44 8.18 7.82 8.14 8.11 4.36 7.79 7.79 Sep-25 Dec-25 Mar-26 Jun-26
Slide 27: Key Financial Indicator (Qtr.)
Key Financial Indicator (Qtr.) Global NIM stood at 3.00%, up 10 bps YoY, with domestic NIM at 3.19%. NIM Domestic (%) NIM Global (%) 3.08 3.27 3.24 3.05 3.19 3.19 3.00 3.00 3.08 2.90 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Return on Equity ( %) Return on Asset (%) 13.21
Slide 28: Productivity Ratio
Productivity Ratio Business per branch and per employee increased, alongside a higher book value per share. Business Per Branch (in INR Bn) Business Per Employee (in INR Bn) 0.30 1.85 0.28 0.28 0.25 0.26 1.77 1.73 1.66 1.61 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Book V
Slide 29: Asset Quality
Asset Quality Asset quality improved further, with gross and net NPA ratios declining to 1.96% and 0.18%, respectively. Gross NPA 16.22 Net NPA In INR Bn In INR Bn 14.73 14.06 64.63 64.2 62.94 12.83 60.82 59.19 59.12 58.95 58.67 56.9 56.67 56.32 10.68 9.98 9.62 8.53 7.02 6.76 5.13 3.46 3.32 3.18 Gro
Slide 30: Asset Quality
Asset Quality Provision coverage rose to 90.88% excluding technical write-offs and 98.36% including them. PCRPCR (Incl. (Incl.TWO) (%) TWO) (%) Slippage SlippageRatio (%) Ratio (%) 98.36 1.80 97.79 97.85 97.32 96.88 96.99 96.69 96.16 1.10 1.18 95.92 1.03 1.08 1.05 95.76 0.92 0.90 95.38 0.85 0.85 0.6
Slide 31: Asset Quality
Asset Quality Standard assets increased to 98.04% of advances, with net NPAs declining to INR 5.13 billion. INR bn Item Sep-25 Jun-26 Sep-26 Gross NPA (INR bn) 58.95 56.67 56.32 Asset Classification Net NPA (INR bn) 9.62 6.76 5.13 Item Sep-25 (%) Jun-26 (%) Sep-26 (%) Gross NPA (%) 2.56% 2.08% 1.96%
Slide 32: Movement of NPA
Movement of NPA Gross NPAs declined by INR 0.35 billion QoQ as total reductions exceeded fresh additions. Year INR bn Quarter Ended Sl Ended Item (INR bn) No. Sep-25 Jun-26 Sep-26 Mar-26 Sector-wise Fresh Addition to NPA 1 Opening Balance 59.12 56.90 56.67 59.19 Less Quarter Ended Fresh Addition 2 T
Slide 33: Segment NPA
Segment NPA MSME and agriculture NPA ratios improved YoY to 2.62% and 8.73%, respectively. INR bn Sep-25 Jun-26 Sep-26 Sl. Sector No. Particulars % to % to % to Gross Gross Gross Gross Gross Gross respective respective respective Advances NPA Advances NPA Advances NPA portfolio portfolio portfolio 1
Slide 34: Capital Adequacy
Capital Adequacy Capital adequacy stood at 18.85%, with CET1 at 17.06% and total capital of INR 340.54 billion. CRAR 17.89% 19.03% 18.85% Particulars (INR bn) Sep-25 Jun-26 Sep-26 Credit RWA 1,303.08 1,464.14 1,521.77 1.99% 1.59% 1.58% Market RWA 27.72 40.94 43.47 Operational RWA 218.11 241.06 241.0
Slide 35: Appendix
Appendix UCO BANK
Slide 36: Statement of Profit and Loss
Statement of Profit and Loss Quarter Ended Growth Half Year Ended Growth FY Sl. Parameters (INR bn) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) Sep-25 Sep-26 Y-Y (%) 25-26 1 Interest Income 65.37 69.96 72.86 4.15 11.46 129.73 142.82 10.09 262.82 2 Interest Expended 40.04 41.88 44.00 5.07 9.88 80.37 85.88 6
Slide 37: Balance Sheet
Balance Sheet Total assets rose to INR 4,199.58 billion, alongside growth in advances and deposits. CAPITAL & LIABILITIES (INR bn) Sep-25 Jun-26 Sep-26 Capital 125.40 125.40 125.40 Reserves & Surplus 199.25 214.89 220.39 Deposits 3,056.97 3,323.15 3,495.90 Borrowings 214.74 248.68 260.75 Other Liabi
Slide 38: ESG Initiative
ESG Initiative Environmental Social Governance ⧫ Bank has developed board approved Net – Zero ⧫ More than 377840 persons were educated Transition Plan in line with Government of through 691 programs conducted by 127 ⧫ Bank has adopted PCAF Global standard India’s NDC Goals. Center for Financial Lite
Slide 39: Disclaimer
Disclaimer IMPORTANT: The following applies to this document, the oral presentation of the information in this document by UCO Bank (the “Bank”) or any person on behalf of the Bank, and any question-and-answer session that follows the oral presentation (collectively, the “Presentation”). If this Pre
Slide 40: Disclaimer
Disclaimer The opinions expressed herein with respect to the Group are based on a number of assumptions and are subject to a number of known and unknown risks. The Bank, its agents and representatives (collectively, the “Representatives”), and each of their respective agents, affiliates, advisors, d
Slide 41: Disclaimer
Disclaimer This Presentation includes certain non-GAAP financial measures (the “Non-GAAP Measures”). The Non-GAAP Measures are not standard measures under Ind AS, IFRS or any other generally accepted accounting principles, and are not a measure of operating income, operating performance or liquidity
Slide 42: Disclaimer
Disclaimer Past performance information in this Presentation should not be relied upon as an indication of (and is not an indicator of) future performance. Certain statements in this Presentation concerning the Group’s future growth prospects are forward-looking statements and involve a number of ri
Slide 43: Disclaimer
Disclaimer This Presentation has not been and will not be registered as a “prospectus” in respect of a public offer, an information memorandum or a “private placement offer cum application letter” or any other offering material with any Registrar of Companies in India, the Reserve Bank of India, the