UCO Bank has announced its financial results for the quarter ended June 30, 2025, posting a net profit of ₹607 crore, marking a 10.16% year-on-year (YoY) growth compared to ₹551 crore in the same quarter of the previous year. The bank also reported an 18.24% YoY increase in operating profit, which stood at ₹1,562 crore.
The total business of the bank reached ₹5.23 lakh crore as on June 30, 2025, reflecting a YoY growth of 13.51%. Of this, gross advances rose to ₹2,25,101 crore, a 16.48% YoY increase, while total deposits stood at ₹2,98,635 crore, up by 11.37%.
The bank’s Retail, Agriculture, and MSME (RAM) portfolio registered a strong 23.47% YoY growth, reaching ₹1,25,927 crore. Within this segment:
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Retail advances rose by 30.73% YoY to ₹56,195 crore, driven by growth in home loans (17.92%) and vehicle loans (66.94%).
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Agriculture advances increased by 15.46% to ₹29,961 crore.
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MSME advances grew by 20.33% to ₹39,771 crore.
Asset quality saw notable improvement with Gross NPA reduced to 2.63% (down 69 basis points YoY) and Net NPA to 0.45% (down 33 basis points YoY). Provision Coverage Ratio remained strong at 96.88%.
The bank’s Net Interest Income (NII) for the quarter rose to ₹2,403 crore, showing a 6.61% YoY growth. Global Net Interest Margin (NIM) stood at 2.96%, while domestic NIM was 3.18%.
UCO Bank’s Capital Adequacy Ratio (CRAR) was reported at a healthy 18.39%, with Tier I Capital Ratio at 16.36%. The credit-to-deposit ratio stood at 75.38% as of June 30, 2025.
In recognition of its ongoing performance, UCO Bank secured the 2nd runner-up position under the 'Top Improvers' category in the EASE 7.0 Reforms Index. Additionally, it won 2nd and 3rd positions for outstanding performance in digital payments for FY 2022-23 and FY 2024-25, respectively.
As of June 30, 2025, the bank has a robust network of 3,305 domestic branches, 2 overseas branches (in Hong Kong and Singapore), and 1 representative office in Iran. It also operates 2,575 ATMs and 10,920 BC Points, totaling 16,803 customer touchpoints.
