)
Edge31 Oct 2025
Rolls-Royce: Full Thrust Ahead
From century-old crafted perfection to pandemic shock and reset, Rolls-Royce's story is shaped by heritage, turbulence, and a disciplined climb back.
UCO Bank (UCOBANK) investor relations material
UCO Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary17 Oct, 2025
Executive summary
Business grew 13.23% year-over-year, with global business reaching ₹5,36,398 Cr, deposits up 10.85%, and advances up 16.56%.
Net profit for Q2 FY26 stood at ₹620 Cr (₹61,976 lakh), up 2.82% year-over-year; operating profit rose 12.69% to ₹1,613 Cr.
Asset quality improved with Gross NPA at 2.56% and Net NPA at 0.43%, both declining year-over-year.
RAM (Retail, Agri, MSME) advances grew 22.87%, now 65.23% of total advances; retail loans up 25.4%, housing loans up 18.94%, vehicle loans up 72.87%.
Unaudited financial results for Q2 and H1 FY2025-26 were approved, with a limited review and unmodified auditor opinion.
Financial highlights
Net interest income for Q2 FY26 was ₹2,533 Cr, up 10.10% year-over-year; fee-based income also up over 10%.
Non-interest income declined 10.98% year-over-year to ₹884 Cr.
Net interest margin (NIM) global at 2.90%, domestic at 3.08%, excluding a one-time INR 107 crore interest income.
Cost-to-income ratio for Q2 FY26 was 54.06%; cost of deposit fell to 4.73% from 4.88% year-over-year.
Provisioning coverage ratio at 96.99% as of 30 Sep 2025.
Outlook and guidance
FY26 guidance: deposit growth 10–12%, credit growth 12–14%, GNPA below 2.5%, NNPA below 0.35%.
NIM global guidance revised to 2.8–2.9% due to repo rate cuts; confident of further NPA reduction.
Recovery and upgradation target INR 2,200–2,700 crore; achieved INR 1,548 crore in H1.
Bank continues to recognize taxes under the old provisions of the Income Tax Act for the period.
Maintains forward-looking provisions for SMA 1 & 2 accounts and Covid-19 related contingencies.
Corporate credit growth strategy and targets?
ECL norms: Bank's preparedness and impact?
Digital initiatives' impact on efficiency ratios?
Corporate credit strategy and growth outlook?
ECL provisioning under new RBI norms?
Digital transformation investment and impact?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next UCO Bank earnings date
Q3 25/2620 Jan, 2026
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
Frequently asked questions
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage