UCO Bank announced its unaudited (reviewed) financial results for the third quarter and nine months ended December 31, 2025. The bank reported a strong performance with total business reaching ₹5,53,680 Crore, a 13.25% year-over-year increase. Net profit for the quarter stood at ₹739 Crore, reflecting a growth of 15.65% compared to the previous year. The bank also saw improvements in asset quality and capital adequacy ratios.
Business Growth & Performance
UCO Bank’s total business as of December 31, 2025, reached ₹5,53,680 Crore, demonstrating a growth of 13.25% year-over-year. Gross Advances increased by 16.74% to ₹2,43,594 Crore, and Total Deposits grew by 10.64% to ₹3,10,086 Crore.
CASA and Profitability
The bank’s CASA (Current Account Savings Account) stood at ₹112083 Crore, a 11.49% increase year-over-year. The CASA ratio improved to 38.41%. Net profit for Q3 FY2026 was ₹739 Crore, up 15.65% from ₹639 Crore in the same quarter of the previous year. Operating Profit for the quarter reached ₹1,680 Crore, an increase of 5.93% year-over-year. The Net Interest Margin (NIM) was 3.08% globally and 3.27% domestically.
Advances in Key Sectors
Advances in Retail, Agriculture, and MSME (RAM) sectors increased by 25.86% to ₹1,43,919 Crore year-over-year. This growth was supported by a 28.18% increase in Retail advances, a 24.69% increase in Agriculture advances, and a 23.56% increase in MSME advances.
Asset Quality
Gross NPA (Non-Performing Assets) decreased by 50 bps year-over-year to 2.41% as of December 31, 2025. Net NPA decreased by 27 bps year-over-year to 0.36%. The Capital Adequacy Ratio (CRAR) stood at 17.43% as of December 31, 2025, with a Tier I Capital Ratio of 15.41%.
Other Key Ratios
The Credit to Deposit Ratio stood at 78.56% as of December 31, 2025, compared to 74.45% on December 31, 2024. Cost of fund improved by 27 bps to 4.48% as on December 31, 2025. Yield on advances stood at 8.06% as on December 31, 2025.
Nine-Month Performance
Operating Profit for the nine months ended December 31, 2025, showed a growth of 11.92% to ₹4856 Crore. Net Profit grew by 9.70% to ₹1967 Crore. Net Interest Income (NII) grew by 9.38% to ₹7582 Crore. Return on Asset (ROA) for the nine-month period stood at 0.75%. Fee-based Income grew by 22.46% to ₹1216 Crore.
Source: BSE
