	2012 Mar 31	2013 Mar 31	2014 Mar 31	R 2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	R 2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Net Interest & Dividend Income	3,911	4,591	6,070	5,571	4,861	3,829	3,133	4,316	5,101	5,489	6,482	7,357	8,105	9,639	10,208
Non-Interest Revenue	549	504	699	1,513	1,157	1,647	590	674	1,458	1,864	751	98	900	657	647
Total Revenue	4,460	5,095	6,769	7,084	6,018	5,475	3,723	4,990	6,559	7,353	7,233	7,455	9,005	10,296	10,855
Total Operating Expenses	3,018	4,098	4,715	5,424	8,897	7,518	7,848	9,368	9,003	7,126	5,166	4,550	6,430	6,462	6,482
Operating Profit	1,442	997	2,054	1,660	-2,878	-2,042	-4,125	-4,378	-2,445	227	2,067	2,905	2,575	3,834	4,373
Operating Margin	32.3	19.6	30.3	23.4	-47.8	-37.3	-110.8	-87.7	-37.3	3.1	28.6	39.0	28.6	37.2	40.3
Profit before Taxes	1,443	997	1,724	1,582	-2,779	-1,840	-4,427	-4,306	-2,437	-75	1,750	2,905	2,569	3,834	4,373
Income Taxes	334	379	214	444	20	11	9	15	-	-243	821	1,043	915	1,389	1,606
Profit after Tax	1,109	618	1,511	1,138	-2,799	-1,851	-4,436	-4,321	-2,437	146	895	1,826	1,672	2,445	2,768
PAT Margin	24.9	12.1	22.3	16.1	-46.5	-33.8	-119.2	-86.6	-37.2	2.0	12.4	24.5	18.6	23.7	25.5
EPS - Basic - ex Extraordinary Items	17.66	9.22	19.44	11.20	-26.03	-13.29	-25.23	-11.16	-3.10	0.15	0.77	1.53	1.40	2.04	2.21
EPS - Diluted - ex Extraordinary Items	17.66	9.22	19.44	11.20	-26.03	-13.29	-25.23	-11.16	-3.10	0.15	0.77	1.53	1.40	2.04	2.21
EBIT	1,442	997	2,054	1,660	-2,878	-2,042	-4,125	-4,378	-2,445	227	2,067	2,905	2,575	3,834	4,373
EBITDA	1,520	1,084	2,163	1,795	-2,742	-1,889	-3,974	-4,241	-2,307	361	2,232	3,122	2,856	4,145	4,745
EBITDA Margin	34.1	21.3	32.0	25.3	-45.6	-34.5	-106.7	-85.0	-35.2	4.9	30.9	41.9	31.7	40.3	43.7

Balance Sheet

Abridged

Understanding Balance Sheet

UCO Bank balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	C 2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR	AR
Cash & ST Balance with Banks	13,604	12,344	12,836	15,141	14,044	15,292	12,542	14,485	14,009	21,391	20,392	28,069	27,525	28,829	23,885
Lending & LT Balance with Banks	-	-	2,176	7,099	4,779	2,830	2,239	9,954	3,823	3,736	7,808	3,916	3,280	11,254	5,121
Property Plant & Equipment - Net	805	890	1,062	1,114	2,885	2,849	2,875	2,822	2,840	3,218	3,335	3,510	3,781	3,852	4,200
Total Assets	1,80,498	1,98,651	2,39,125	2,45,917	2,44,883	2,31,340	2,16,056	2,30,484	2,35,908	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361	3,95,858
Deposits - Total	1,54,003	1,73,431	1,99,534	2,14,337	2,07,118	2,01,285	1,81,849	1,97,907	1,93,203	2,05,919	2,24,073	2,49,338	2,63,130	2,93,542	3,27,563
Long Term Debt	4,628	5,110	5,581	10,253	4,326	5,212	6,874	4,600	7,278	3,150	1,973	2,311	11,977	15,975	9,528
Total Liabilities	1,71,885	1,88,969	2,27,898	2,33,368	2,32,361	2,18,586	2,01,099	2,13,093	2,16,699	2,30,730	2,44,191	2,75,098	2,96,335	3,31,476	3,62,609
Total Shareholders' Equity	8,613	9,682	11,226	12,549	12,522	12,753	14,957	17,391	19,210	22,516	23,469	25,604	27,214	30,885	33,249
Total Equity	8,613	9,682	11,226	12,549	12,522	12,753	14,957	17,391	19,210	22,516	23,469	25,604	27,214	30,885	33,249
Total Liabilities & Equity	1,80,498	1,98,651	2,39,125	2,45,917	2,44,883	2,31,340	2,16,056	2,30,484	2,35,908	2,53,246	2,67,659	3,00,702	3,23,548	3,62,361	3,95,858

Cash Flow

Abridged

Understanding Cash Flow Statement

UCO Bank cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2012 Mar 31	2013 Mar 31	2014 Mar 31	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	C 2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR
Operating CF bef Changes in Working Cap	2,512	3,050	4,594	4,585	3,445	3,479	1,466	2,888	4,973	5,047	6,058	6,073	5,529	7,654	8,411
Working Capital - Increase/(Decrease)	-13,329	-2,127	-12,695	13,320	-13,801	98	-14,195	4,242	-22,981	-1,637	-1,412	-10,405	-9,448	-4,396	-13,543
Net CF from Operating Activities	-10,817	924	-8,101	17,904	-10,356	3,577	-12,729	7,129	-18,009	3,410	4,646	-4,332	-3,919	3,258	-5,132
Capital Expenditures - Net	85	112	231	173	144	139	105	50	123	164	209	282	299	336	431
Net CF from Investing Activities	-76	-103	-221	-173	-144	-139	-105	-50	-123	-164	-209	-282	-299	-336	-431
Dividends Paid - Cash - Total	339	398	514	295	258	-	-	-	-	-	-	-	-	335	489
Stock - Issuance/(Retirement) - Net	307	681	200	427	-	1,981	1,375	3,076	4,272	-	2,600	-	-	2,000	-
Debt - LT & ST - Issuance/(Retirement) - Total	7,427	-2,409	11,226	-10,716	6,138	-6,935	2,914	-4,126	7,371	-312	-1,874	6,993	4,496	2,867	-5,929
Net Cash Flow from Financing Activities	7,395	-2,126	10,912	-10,583	6,815	-3,805	9,421	2,547	11,643	2,288	-1,874	6,993	4,496	4,532	-6,418
Free Cash Flow to Equity	-3,475	-1,597	2,893	7,015	-4,362	-3,498	-9,920	2,953	-10,761	2,933	2,562	2,380	277	5,789	-11,492
Free Operating CF net dividend	-11,244	412	-8,852	17,433	-10,763	3,435	-12,839	7,054	-18,152	3,246	4,430	-4,620	-4,273	2,552	-6,214
Free Operating CF	-10,906	810	-8,338	17,728	-10,504	3,435	-12,839	7,054	-18,152	3,246	4,430	-4,620	-4,273	2,887	-5,725

Business Segment Analysis

FY End:

Mar 26

UCO Bank business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Revenue / Sales

Corporate Banking Operations (36.9%)₹ 10,981.99 CrRetail Banking Operations (35.9%)₹ 10,666.32 CrTreasury Operations (27.0%)₹ 8,030.96 CrOther Banking Operations (0.2%)₹ 61.71 Cr

Assets

Corporate Banking Operations (34.5%)₹ 1,36,457.72 CrRetail Banking Operations (33.5%)₹ 1,32,599.35 CrTreasury Operations (31.9%)₹ 1,26,306.74 CrOther Banking Operations (0.1%)₹ 494.63 Cr

Operating Income

Treasury Operations (53.6%)₹ 2,343.52 CrCorporate Banking Operations (22.9%)₹ 1,000.85 CrRetail Banking Operations (22.1%)₹ 967.40 CrOther Banking Operations (1.4%)₹ 61.71 Cr

Regional Segment Analysis

FY End:

Mar 26

UCO Bank geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

Domestic (94.1%)₹ 27,977.09 CrInternational (5.9%)₹ 1,763.90 Cr

Assets

Domestic (91.6%)₹ 3,62,486.51 CrInternational (8.4%)₹ 33,371.94 Cr

Historical Segment Analysis

Track how UCO Bank segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Sales

Assets

Operating Income

Business

Regional

Business

We don't have enough data to show the Capex for UCO Bank.

Frequently Asked Questions

What is the revenue of UCO Bank?

The latest trailing twelve month revenue of UCO Bank is ₹ 13,655.70 Cr, reflecting a 1-year growth of -2.71% and a 3-year CAGR of 11.50%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of UCO Bank?

The latest trailing twelve month net profit (PAT) of UCO Bank is ₹ 2,767.86 Cr, with a 3-year earnings CAGR of 13.06%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of UCO Bank?

The trailing twelve month EBITDA of UCO Bank is approximately ₹ 4,373.13 Cr (based on an operating margin of 32.02%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of UCO Bank?

The trailing twelve month Earnings Per Share (EPS) of UCO Bank is 2.21. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of UCO Bank?

The debt-to-equity ratio of UCO Bank stands at 0.72. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of UCO Bank?

The estimated book value per share of UCO Bank is 26.52 (derived from a P/B ratio of 0.98 and market price of ₹ 26.09), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of UCO Bank?

The trailing twelve month operating cash flow of UCO Bank is ₹ -5,131.70 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does UCO Bank report consolidated or standalone financials?

UCO Bank reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.