{"id":176345,"date":"2026-01-20T14:35:05","date_gmt":"2026-01-20T19:35:05","guid":{"rendered":"https:\/\/alphastreet.com\/india\/?p=176345"},"modified":"2026-01-22T14:45:29","modified_gmt":"2026-01-22T19:45:29","slug":"uco-bank-q3-fy26-earnings-summary-key-insights","status":"publish","type":"post","link":"https:\/\/alphastreet.com\/india\/uco-bank-q3-fy26-earnings-summary-key-insights\/","title":{"rendered":"UCO Bank Q3 FY26 Earnings Summary &amp; Key Insights"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Company Profile<\/strong><\/h2>\n\n\n\n<p>UCO Bank (formerly United Commercial Bank) is a Government of India-owned public sector bank headquartered in Kolkata, West Bengal, India. Ashwani Kumar is the MD &amp; CEO.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Business &amp; Services<\/strong><\/h2>\n\n\n\n<p>UCO Bank provides a wide range of banking and financial services across customer segments, including: Retail Banking, Corporate &amp; Wholesale Banking, International Banking, and Other Services.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Recent Business Scale<\/strong><\/h2>\n\n\n\n<p>As of recent annual reporting periods, global business exceeded \u20b95 lakh crore (total of deposits + advances), and branches are concentrated in rural, semi-urban, and urban markets throughout India.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Q3 FY26 Earnings Summary<\/strong><\/h2>\n\n\n\n<p>Net Profit of \u20b9739.5 crore, operating profit of \u20b91,680 crore, and total income of \u20b97,521 crore for the quarter ended Dec. 31, 2025.<\/p>\n\n\n\n<p>Highlight: UCO Bank delivered double-digit net profit growth in Q3, supported by stronger core income and disciplined cost\/provision control.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Q3 FY26 Executive Snapshot<\/strong><\/h2>\n\n\n\n<p>Strong YoY profitability growth was supported by core income. Continued momentum in advances growth. Asset quality improved across GNPA and NNPA. Capital position strengthened above regulatory requirements.<\/p>\n\n\n\n<p>Net Profit, \u20b9739.5 crore, up ~15.7% YoY; operating profit, \u20b91,680 crore, up ~6% YoY; and total income, \u20b97,521 crore. Profit growth was driven by higher interest income and controlled provisions. Total business was ~\u20b95.5 lakh crore, up ~13% YoY. Total deposits had growth ~10\u201311% YoY. Credit growth outpaced deposit growth during the quarter. Growth led by retail, agriculture, MSME segments, and continued focus on diversified and granular lending.<\/p>\n\n\n\n<p>Management focuses to sustain profitable credit growth, improve deposit franchise and CASA share, maintain asset quality discipline, and strengthen capital and risk management framework.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Q3 FY26 &nbsp;Key Takeaways<\/strong><\/h2>\n\n\n\n<p>Consistent earnings growth with improving balance-sheet strength. Healthy credit demand across core segments. Asset quality metrics on a sustained improving trajectory. Capital position provides headroom for medium-term growth.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Company Profile UCO Bank (formerly United Commercial Bank) is a Government of India-owned public sector bank headquartered in Kolkata, West Bengal, India. Ashwani Kumar is the MD &amp; CEO. Business &amp; Services UCO Bank provides a wide range of banking and financial services across customer segments, including: Retail Banking, Corporate &amp; Wholesale Banking, International Banking, [&hellip;]<\/p>\n","protected":false},"author":2389,"featured_media":176797,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1941,1],"tags":[151],"class_list":["post-176345","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-stock-analysis","category-finance-stocks","tag-banking"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/alphastreet.com\/india\/wp-content\/uploads\/2026\/01\/UCO-Bank-Q3-FY26-1.png","jetpack_likes_enabled":false,"jetpack-related-posts":[{"id":167708,"url":"https:\/\/alphastreet.com\/india\/uco-bank-q3fy25-27-rise-in-profits\/","url_meta":{"origin":176345,"position":0},"title":"UCO Bank Q3FY25; 27% rise in Profits","author":"Chirag Gupta","date":"April 2, 2025","format":false,"excerpt":"UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations. Financial Results: UCO Bank reported Revenues for Q3FY25 of \u20b96,220.00 Crores up from \u20b95,552.00 Crore year on year, a rise of 12.03%. Total Expenses for Q3FY25 of \u20b96,409.00 Crores\u2026","rel":"","context":"In &quot;AlphaGraphs&quot;","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/04\/1-1.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/04\/1-1.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/04\/1-1.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/04\/1-1.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/04\/1-1.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2025\/04\/1-1.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":144722,"url":"https:\/\/alphastreet.com\/india\/uco-bank-ltd-q4fy23-results-out-net-profit-soars-by-77\/","url_meta":{"origin":176345,"position":1},"title":"UCO Bank Ltd Q4FY23 results out, Net Profit soars by 77%","author":"Chirag Gupta","date":"May 2, 2023","format":false,"excerpt":"UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations. UCO Bank reported Total revenue for Q4 FY23 of \u20b94,987 Crore, up from \u20b93,773 Crore year on year depicting a growth of 32%.Total Expenses for Q4 FY23 of \u20b92,025\u2026","rel":"","context":"In &quot;Earnings&quot;","block_context":{"text":"Earnings","link":"https:\/\/alphastreet.com\/india\/category\/earnings\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2021\/11\/Earnings-Coverage.jpg?resize=525%2C300&ssl=1 1.5x"},"classes":[]},{"id":150335,"url":"https:\/\/alphastreet.com\/india\/uco-bank-q1fy24-80-rise-in-profits\/","url_meta":{"origin":176345,"position":2},"title":"UCO Bank Q1FY24; 80% rise in Profits","author":"Chirag Gupta","date":"July 28, 2023","format":false,"excerpt":"UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations. Financial Results: UCO Bank reported Revenues for Q1FY24 of \u20b95,224.00 Crores up from \u20b93,851.00 Crore year on year, a rise of 35.65%. Total Expenses for Q1FY24 of \u20b95,510.00 Crores\u2026","rel":"","context":"In &quot;AlphaGraphs&quot;","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/07\/image-350.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/07\/image-350.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/07\/image-350.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/07\/image-350.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/07\/image-350.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/07\/image-350.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":162979,"url":"https:\/\/alphastreet.com\/india\/uco-bank-q4fy24-9-fall-in-profits\/","url_meta":{"origin":176345,"position":3},"title":"UCO Bank Q4FY24; 9% fall in Profits","author":"Chirag Gupta","date":"July 12, 2024","format":false,"excerpt":"UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations. Financial Results: UCO Bank reported Revenues for Q4FY24 of \u20b95,860.00 Crores up from \u20b94,987.00 Crore year on year, a rise of 17.51%. Total Expenses for Q4FY24 of \u20b96,179.00 Crores\u2026","rel":"","context":"In &quot;AlphaGraphs&quot;","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/07\/image-105.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/07\/image-105.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/07\/image-105.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/07\/image-105.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/07\/image-105.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/07\/image-105.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":155743,"url":"https:\/\/alphastreet.com\/india\/uco-bank-q2fy24-20-fall-in-profits\/","url_meta":{"origin":176345,"position":4},"title":"UCO Bank Q2FY24; 20% fall in Profits","author":"Chirag Gupta","date":"November 3, 2023","format":false,"excerpt":"UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations. Financial Results: UCO Bank reported Revenues for Q2FY24 of \u20b95,219.00 Crores up from \u20b94,185.00 Crore year on year, a rise of 24.71%. Total Expenses for Q2FY24 of \u20b95,226.00 Crores\u2026","rel":"","context":"In &quot;AlphaGraphs&quot;","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/11\/image-49.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/11\/image-49.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/11\/image-49.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/11\/image-49.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/11\/image-49.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2023\/11\/image-49.png?resize=1400%2C800&ssl=1 4x"},"classes":[]},{"id":160025,"url":"https:\/\/alphastreet.com\/india\/uco-bank-q3fy24-23-fall-in-profits\/","url_meta":{"origin":176345,"position":5},"title":"UCO Bank Q3FY24; 23% fall in Profits","author":"Chirag Gupta","date":"March 20, 2024","format":false,"excerpt":"UCO Bank is engaged in providing wide range of banking and financial services including Retail Banking, Corporate Banking and Treasury Operations. Financial Results: UCO Bank reported Revenues for Q3FY24 of \u20b95,552.00 Crores up from \u20b94,627.00 Crore year on year, a rise of 19.99%. Total Expenses for Q3FY24 of \u20b95,636.00 Crores\u2026","rel":"","context":"In &quot;AlphaGraphs&quot;","block_context":{"text":"AlphaGraphs","link":"https:\/\/alphastreet.com\/india\/category\/infographics\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/03\/image-204.png?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/03\/image-204.png?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/03\/image-204.png?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/03\/image-204.png?resize=700%2C400&ssl=1 2x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/03\/image-204.png?resize=1050%2C600&ssl=1 3x, https:\/\/i0.wp.com\/alphastreet.com\/india\/wp-content\/uploads\/2024\/03\/image-204.png?resize=1400%2C800&ssl=1 4x"},"classes":[]}],"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/176345","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/users\/2389"}],"replies":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/comments?post=176345"}],"version-history":[{"count":2,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/176345\/revisions"}],"predecessor-version":[{"id":176950,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/posts\/176345\/revisions\/176950"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media\/176797"}],"wp:attachment":[{"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/media?parent=176345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/categories?post=176345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alphastreet.com\/india\/wp-json\/wp\/v2\/tags?post=176345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}