UCO Bank Q4 Results: Profit JUMPS 23% to ₹801 Cr – Dividend Declared, NPA Improves to 2.17%!

UCO Bank Q4 Results: Profit JUMPS 23% to ₹801 Cr – Dividend Declared, NPA Improves to 2.17%!

Public sector lender UCO Bank reports a healthy Q4 with double-digit profit growth and improved asset quality. Here are the complete details:

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📈 Q4 FY26 Financial Highlights (YoY)

Metric Q4 FY26 Q4 FY25 Change
Net Profit ₹801 Cr ₹653 Cr ▲ 23%
Total Income ₹7,365 Cr ₹8,127 Cr ▼ 9.4%
Interest Income ₹6,656 Cr ₹6,142 Cr ▲ 8.4%

✅ Profit up 23% YoY despite decline in total income, driven by higher interest income and lower provisions

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📊 Asset Quality Improvement

Metric Q4 FY26 Q4 FY25 Improvement
Gross NPA 2.17% 2.69% ▼ 52 bps
Net NPA 0.27% 0.50% ▼ 23 bps
Provision Coverage Ratio (PCR) 97.79% — ▲ Strong coverage

✅ PCR at 97.79% – among the highest in PSU banking space

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💰 Dividend Announcement

Item Detail
Dividend ₹0.44 per equity share
Face Value ₹10 per share
Financial Year FY26

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🏦 Capital Raising Plans (FY27)

Mode Amount
Equity (QIP / FPO / etc.) ₹2,700 crore (270 crore shares at face value ₹10)
Basel III AT1 / Tier II / Infra Bonds ₹5,000 crore

📌 Total proposed capital raise: Up to ₹7,700 crore in FY27 – subject to shareholder approval at AGM

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📊 Key Ratios

Metric Q4 FY26 Q4 FY25
Capital Adequacy Ratio (CAR) 18.61% 18.49%

✅ CAR improved – well above regulatory requirements

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📉 Stock Performance

Metric Value
Closing Price (BSE/NSE) ₹26.47
Day Change ▼ 2.07%
5-Day Range ₹26.25 – ₹27.18

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📌 Key Takeaways

Positive Areas to Watch
✅ Profit up 23% YoY ⚠️ Total income declined 9.4%
✅ Gross NPA down to 2.17%
✅ Net NPA down to 0.27%
✅ PCR at 97.79%
✅ CAR at 18.61%
✅ Dividend of ₹0.44 declared
✅ ₹7,700 Cr capital raising planned

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