UCO Bank announced its unaudited (reviewed) financial results for the second quarter and half-year ended September 30, 2025. The bank reported a total business of ₹5,36,398Cr, a 13.23% year-on-year increase, and a Net Profit of ₹620Cr. Gross NPA improved to 2.56%. The bank is focused on its digital journey, ESG initiatives and expanding its business network.
Key Highlights
Here’s a summary of UCO Bank’s financial performance:
- Total Business: ₹5,36,398Cr (Up 13.23% Y-o-Y)
- Deposit: ₹305697Cr (Up 10.85% Y-o-Y)
- Advance: ₹230702Cr (Up 16.56% Y-o-Y)
- Retail: ₹58987Cr (Up 25.40% Y-o-Y)
- Agriculture: ₹31650Cr (Up 17.28% Y-o-Y)
- MSME: ₹42309Cr (Up 23.80% Y-o-Y)
- Savings (Domestic): ₹95080Cr (Up 7.50% Y-o-Y)
- Current (Domestic): ₹15475Cr (Up 23.94% Y-o-Y)
- Vehicle Loan: ₹6014Cr (Up 72.87% Y-o-Y)
- Gross NPA: 2.56% (Down 62bps Y-o-Y)
- Net NPA: 0.43% (Down 30bps Y-o-Y)
- PCR: 96.99% (Up 105bps Y-o-Y)
- PCR (Excl. TWO): 83.68% (Up 603bps Y-o-Y)
- Net Interest Income: ₹2533Cr (Up 10.10% Y-o-Y)
- Net Profit: ₹620Cr (Up 2.82% Y-o-Y)
- Operating Profit: ₹1613Cr (Up 12.69% Y-o-Y)
Business Performance
Total Business reached ₹536398 Cr in September 2025, a 13.23% increase year-on-year. Domestic business contributed significantly.
Deposit Growth
Global Deposits stood at ₹305697 Cr as of September 2025, reflecting a 10.85% year-on-year growth. CASA deposits continue to be a key focus area.
Advances
Global Advances reached ₹230702 Cr, showing a 16.56% year-on-year increase. Retail, Agriculture and MSME sectors contributed significantly to the growth in Advances.
Asset Quality
The bank has improved its asset quality, with Gross NPA at 2.56% and Net NPA at 0.43%. PCR (Provision Coverage Ratio) stood at 96.99%.
Financial Inclusion
UCO Bank is focused on Financial Inclusion and has a strong presence in PMSBY and PMJJBY. The bank is also actively promoting Self Help Groups (SHGs).
Digital Initiatives
UCO Bank is investing heavily in its digital infrastructure. Several new initiatives have been launched including improvements to the mobile banking app and the introduction of Central Bank Digital Currency (CBDC) capabilities.
Priority Sector Advances
The bank is committed to lending to priority sectors. The achievement against mandatory targets is 53.95%, with 18.06% in Agriculture.
Source: BSE
