Throughline

Guidance ledger · Q4 FY26

UCO Bank UCOBANK

6 revisions on record · 3 lowered · 2 raised — the strikethrough is what management used to say

gives specific guidance · shifted across quarters

Holding view → · latest concall · The pulse

↓ lowered FY27 NIM global Q3 FY26 → Q4 FY26
around 3% for FY27 (Q3FY26 hint) → 2.8 to 2.9% (formal FY27 band)
“NIM global in the range of 2.8 to 2.9%”
↑ raised FY27 RAM share Q2 FY26 → Q4 FY26
61 to 63% (FY26 guidance) → 62 to 65% (FY27 guidance)
“RAM we have improved our guidance to 62 to 65”
↑ raised FY27 CD ratio Q2 FY26 → Q4 FY26
75 to 77% (FY26 guidance) → 80 to 82% (FY27 guidance)
“CD ratio 80 to 82%”
↓ lowered FY27 credit cost Q1 FY26 → Q4 FY26
less than 1% (FY26 guidance) → less than 0.75% (FY27 guidance)
“credit cost less than 0.75%”
↓ lowered FY27 recovery and upgradation Q3 FY26 → Q4 FY26
Rs.2,200 to 2,700 crore (FY26 band) → Rs.2,000 to 2,500 crore (FY27 band)
“recovery and upgradation in the range of Rs.2,000 to 2,500 crore”
→ narrowed FY27 ROA target Q1 FY26 → Q4 FY26
1% ROA by Q1/Q2 next year (Q1FY26) → 0.95 to 1% by end of next FY (Q4FY26)
“by end of next financial year, we should be nearing 0.95 to 1% ROA levels”

Method. Revisions come from management's own stated numbers, compared quarter over quarter across the covered concalls; each carries the verbatim quote. “No revisions” can also mean guidance too vague to pin down — see the posture chip above. Not investment advice.