Surat: UCO Bank's financial results released, profit increases by 22.66% to ₹801 crore, business surpasses ₹5.90 lakh crore
UCO Bank has announced its financial results for the fourth quarter and the entire financial year 2025-26, ending on March 31, 2026. The bank has recorded strong growth during this period, with improvements seen in several key parameters including profit, business, and loan distribution.
The total business of the bank increased to ₹5,90,314 crore as of March 31, 2026, reflecting a year-on-year growth of 14.95%. This includes gross advances of ₹2,62,752 crore (a 19.44% increase) and total deposits of ₹3,27,563 crore (an 11.59% increase). CASA deposits also rose to ₹1,17,752 crore, while the CASA ratio improved to 38.65%.
The bank's net profit for the March 2026 quarter was ₹801 crore, which is 22.66% higher than ₹653 crore in the same period last year. Operating profit was recorded at ₹1,573 crore. The net interest margin (NIM) stood at 3.00% globally and 3.19% domestically.
In the loan segment, the bank's advances in the retail, agriculture, and MSME (RAM) segments increased by 24.23% to ₹1,52,324 crore, with retail loans up by 26.62%, agricultural loans by 26.24%, and MSME loans by 19.36%. The bank's asset quality has improved, with gross NPA decreasing to 2.17% and net NPA to 0.27%. The capital adequacy ratio (CRAR) was 18.61%, with a Tier-1 capital ratio of 16.59%.
For the entire financial year 2025-26, the bank's net profit increased by 13.21% to ₹2,768 crore, while operating profit rose by 6.49% to ₹6,429 crore. Net interest income was ₹10,197 crore, reflecting a growth of 5.89%. Other key indicators include an improved cost-to-income ratio of 52.66%, return on assets (ROA) of 0.87% (quarterly) and 0.79% (annual), a 32.65% increase in fee-based income on a quarterly basis, business per employee of ₹28.08 crore, and business per branch of ₹172.91 crore.
The bank has proposed a dividend of 4.40% (₹0.44 per share), subject to shareholder approval. As of March 31, 2026, the bank has 3,412 domestic branches and 2 foreign branches (in Hong Kong and Singapore), along with a representative office in Iran. Overall, UCO Bank's performance in the financial year 2025-26 has been strong, with positive signals in profitability, asset quality, and operational efficiency.
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