UCO Bank has announced its financial results for the second quarter and half-year ended September 30, 2025. The bank reported a total business of ₹5,36,398 Crore, a 13.23% year-over-year increase. Net profit for the quarter stood at ₹620 Crore. Gross NPA reduced to 2.56%. Capital Adequacy Ratio (CRAR) stood at 17.89%.
Strong Business Growth
UCO Bank’s total business reached ₹5,36,398 Crore as of September 30, 2025, reflecting a 13.23% increase compared to the previous year. Gross Advances grew by 16.56% year-over-year, reaching ₹2,30,702 Crore, while Total Deposits increased by 10.85% year-over-year to ₹305697 Crore.
Profitability Highlights
The bank’s net profit for the quarter ending September 30, 2025, was reported at ₹620 Crore, compared to ₹603 Crore for the same period last year, showing a growth of 2.82%. The operating profit for the same period was ₹1,613 Crore as against ₹1,432 Crore, a 12.64% increase.
Advances in Key Sectors
Advances in Retail, Agriculture, and MSME (RAM) sectors increased by 22.87% to ₹1,32,946 Crore year-over-year. This was driven by a 25.40% increase in Retail advances, a 17.28% increase in Agriculture advances and a 23.80% increase in MSME advances.
Asset Quality Improvement
The bank showed improvement in asset quality, with Gross NPA reducing by 62 bps year-over-year to 2.56% as of September 30, 2025. Net NPA reduced by 30 bps year-over-year to 0.43% as of the same date.
Capital Adequacy
UCO Bank’s Capital Adequacy Ratio (CRAR) stood at 17.89% as of September 30, 2025, with a Tier I Capital Ratio of 15.90%.
Other Key Metrics
The Credit to Deposit Ratio improved to 75.47% as of September 30, 2025, compared to 71.77% as of September 30, 2024.
Half-Year Performance
Operating Profit has shown a growth of 15.33% to ₹3175 Crore on Y-o-Y basis. Net Profit increased by ₹73 Crore to ₹1227 Crore on Y-o-Y basis. Net interest income(NII)grew by 8.36% on Y-o-Y to ₹4936 Crore for the half year ended September 30, 2025.
Recognition
UCO Bank was awarded Runner-up for Best Performance on Growth (Mid-Size Public Sector Bank) at the 3rd Emerging Asia Banking Awards 2025.
Source: BSE
