Presentation on Unaudited Financial Results for the quarter and half year ended 30.09.2026

UCO BANK स(cid:7013)मान आपके िव(cid:7393)ास का Honours Your Trust HO/Finance/Share/120/2026-27 Date: 15.10.2026 National Stock Exchange of India Ltd. BSE Limited “Exchange Plaza” P hiroze Jeejeebhoy Towers Plot no. C/1, G Block Dalal Street,Fort, Bandra-Kurla C Mumbai – 400 001 omplex, Bandra (E) BSE Scrip Code: 532505 Mumbai – 400 051 NSE Scrip Symbol: UCOBANK Madam/ Dear Sir, Sub: Presentation on Unaudited (Reviewed) Financial Results for the quarter and half year ended 30th September, 2026 We enclose herewith the Investor Presentation on the Unaudited (Reviewed) Financial Results for the quarter and half year ended 30th September, 2026. Kindly take the same on record and disseminate the information to investors. Yours sincerely, For UCO Bank (Vikash Gupta) Company Secretary Encl : as stated UCO Bank, Finance Department, Head Office, 3rd Floor, 02, India Exchange Place, Kolkata – 700 001 Phone: 033 - 44557227, E-mail: hosgr.calcutta@uco.bank.in Follow UCO Bank on Twitter: UCOBankOfficial; Facebook: Official.UCOBank; Instagram: Official.ucobank; LinkedIn: UCO BANK; You Tube: UCO Bank Official Overview Major Business Financials Highlights Performance Asset Capital & Business Quality Shareholding Network Digital ESG Awards & Journey Initiatives Accolades Major Highlights Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Business Business Deposit Savings (Domestic) Current Deposit CASA (Domestic) ₹ 637280 Cr. ₹ 349590 Cr. ₹ 103736 Cr. ₹ 18523 Cr. ₹ 122259 Cr. 18.81% (Y-Y) 14.36% (Y-Y) 9.10% (Y-Y) 19.70% (Y-Y) 10.59% (Y-Y) Advance Retail Agriculture MSME Home Loan Vehicle Loan ₹ 287690 Cr. ₹ 76817 Cr. ₹ 41014 Cr. ₹ 50905 Cr. ₹ 36369 Cr. ₹ 9737 Cr. 24.70% (Y-Y) 30.23% (Y-Y) 29.59% (Y-Y) 20.32% (Y-Y) 20.29% (Y-Y) 61.91% (Y-Y) Asset Quality Profitability Gross NPA Net NPA Operating Profit Net Interest Income 1.96% 0.18% ₹ 2886 Cr. ₹ 1872 Cr. 60 bps (Y-Y) 25 bps (Y-Y) 13.96% (Y-Y) 16.04% (Y-Y) PCR (Excl. TWO) PCR (Incl. TWO) Net Profit 90.88% 98.36% ₹ 786 Cr. 720 bps (Y-Y) 137 bps (Y-Y) 26.77% (Y-Y) MMaajjoor rEc Eoncoomnico Hmighilcig hHtsighlights Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades 1. Major Highlights & Growth Drivers 2. Growth Projections (FY 2026-27) | Y-o-Y Growth (%) GDPGrowth  India entered FY2026-27 with strong growth OECD momentum. Real GDP grew by 7.8% and Real 7.1 GVA by 8.2% in Q1FY27 driven by manufacturingandservices. 7.1 World  Investments increased by 11.9%, household consumption grew by 7.1% and exports by IMF 6.4 India 12%. World Bank Inflation  Headline CPI (new base-2024 series) rose to 0 1 2 3 4 5 6 7 8 5.54% (provisional) in September 2026; food (CFPI)at7.74% 3. Inflation | Y-o-Y Growth (%) 4. Industrial Production | Y-o-Y Growth (%)  India’s Wholesale Price Index (WPI) inflation rose to 11.39% in September 2026 from 9.92% IIP ICI inAugust2026 CFPI (Food Inflation) CPI (Inflation) ExternalSector 5.54  ForexReserves(ason25-09-26):US$Bn747.55 4.82 4.45 6.7  Exports (Apr-Aug FY2026-27): USD 399.27 Bn vs 4.38 USD345.55BninApr-AugFY2025-26(15.55%) 3.21 3.40 3.48 3.93 5.2 4.9 5.0  CAD (Q1FY2026-27): $4.2 BN (0.5% of GDP) vs 2.74 5.95 7.74 6.0 $3.4Bn(0.4%ofGDP)inQ1FY2025-26 4.78 5.32 5.52 3.0 5.0 4.8 2.13 3.47 3.87 4.20 4.1 3.2 2.9 2.7 3.2 7.8% 5.54% $747.55B Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Sep-26 Real GDP RBI CPI Forex RBI Quarterly CPI Outlook → Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 4 Q1 FY2026-27 Sep-26 Reserves (25-09-26) 4.9% 6.0% 5.7% 5.6% Mining Manufacturing Electricity & Gas Water, Sewerage & िव(cid:517)ीय प(cid:303)रणाम: िसतंबर ितमाहीिव(cid:517)ीय वष(cid:330) २०२६-२७ Q2 FY27 Q3 FY27 Q4 FY27 Q1 FY28 -5.6% 9.0% 12.3% Waste M 6a .3n %agement Performance vs Guidance Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Guidance for Actual for Parameters FY 26-27 Sep-26 Qtr Deposit Growth (Y-O-Y) 10-12% 14.36% Credit Growth (Y-O-Y) 12-14% 24.70% CASA % 37-38% 36.77% RAM % 62-65% 65.76% CD Ratio 80-82% 82.29% Credit Cost <0.75% 0.65% NIM Global 2.8-2.9% 3.00% GNPA <2.00% 1.96% NNPA <0.20% 0.18% Slippage Ratio <1% 0.85% Total Recovery & Upgradation (in Cr) 2000-2500 1910 Upto Sep 2026 (FY 26-27) Total Business Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades 640000 Business 637280 605083 605000 Business Mix (₹ in Cr) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 570000 536398 Global Business 536398 605083 637280 5.32 18.81 535000 Domestic 493903 558899 589173 5.42 19.29 500000 Sep-25 Jun-26 Sep-26 Overseas 42495 46184 48107 4.16 13.21 Deposit 380000 Global Deposits 305697 332315 349590 5.20 14.36 349590 332315 Domestic 290106 314412 332475 5.74 14.60 330000 305697 280000 Overseas 15591 17903 17116 -4.40 9.78 Sep-25 Jun-26 Sep-26 Global Advances 230702 272768 287690 5.47 24.70 287690 295000 Advance Domestic 203797 244487 256698 4.99 25.96 272768 275000 Overseas 26905 28281 30992 9.59 15.19 255000 230702 235000 CD Ratio (%) 75.47 82.08 82.29 215000 Sep-25 Jun-26 Sep-26 Global Deposits Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Savings 120000 Particulars (₹ in Cr) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y(%) 95000 100870 103736 95080 1. Domestic Deposits 290106 314412 332475 5.74 14.60 70000 a) Current Deposits 15475 15266 18523 21.33 19.70 Sep-25 Jun-26 Sep-26 Current b) Saving Deposits 95080 100870 103736 2.84 9.10 22000 17000 18523 CASA Domestic 110555 116136 122259 5.27 10.59 15475 15266 12000 c) Term Deposits 179551 198276 210216 6.02 17.08 7000 Sep-25 Jun-26 Sep-26 2. Overseas Deposits 15591 17903 17116 -4.40 9.78 CASA 140000 3. Global Deposits (1+2) 305697 332315 349590 5.20 14.36 122259 116136 90000 110555 CASA Domestic (%) 38.11 36.94 36.77 40000 Sep-25 Jun-26 Sep-26 Domestic Advances Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades % Share in Domestic Advance including Corporate & Others Particulars Growth Growth Sep-25 Jun-26 Sep-26 (₹ in Cr) (Q-Q) % (Y-Y) % 28.94% 29.27% 29.93% 1. Domestic Advances 203797 244487 256698 4.99 25.96 a) Retail 58987 71549 76817 7.36 30.23 15.53% 15.93% 15.98% Retail b) Agriculture 31650 38952 41014 5.29 29.59 AGRI MSME 20.76% 19.32% 19.83% c) MSME 42309 47244 50905 7.75 20.32 Corporate 2. Total RAM (a+b+c) 132946 157745 168736 6.97 26.92 34.77% 35.48% 34.27% 3. RAM Share (%) 65.23 64.52 65.73% d) Corporates & Others 70851 86742 87962 1.41 24.15 Sep-25 Jun-26 Sep-26 Retail Mix Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades % Share in Total Retail Advance Particulars Growth Growth Sep-26 Sep-25 Jun-26 Sep-26 (₹ in Cr) (Q-Q) % (Y-Y) % Home Loan 30235 34596 36369 5.12 20.29 25.98% Vehicle Loan 6014 8739 9737 11.42 61.91 47.34% Personal Loan 2613 2645 2596 -1.85 -0.65 10.62% Pool 6313 7125 8157 14.48 29.21 3.38% 12.68% Others 13812 18444 19958 8.21 44.50 Total 58987 71549 76817 7.36 30.23 Home Loan Vehicle Loan Personal Loan Pool Others Agriculture Major Business Asset Capital & Business Digital ESG Products Awards & Financials Highlights Performance Quality Shareholding Network Journey Initiatives & Services Accolades Agriculture (₹ in Cr) Sep-25 Jun-26 Sep-26 Q-Q (%) Y-Y (%) 1.Farm Credit (Crop, Investment & Allied) 27330 34270 36198 5.63% 32.45% 2. Agri Infrastructure & Ancillary Activiti [Showing first 8,000 characters — download PDF for full document]