UCO Bank Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

19,625.02

18,322.31

15,994.64

12,663.11

11,208.67

10,879.83

11,391.91

Income On Investments

4,832.64

4,744.61

4,587.16

4,659.76

4,493.90

4,562.13

4,432.74

Interest On Balances With Rbi Other Inter Bank Funds

883.18

1,132.70

1,021.94

562.51

255.96

187.38

375.75

Interest / Discount On Advances / Bills

13,834.79

12,368.73

10,261.41

7,304.18

6,271.30

5,845.60

6,128.81

Others

74.41

76.27

124.13

136.66

187.51

284.72

454.61

Other Income

2,750.74

3,014.43

2,140.62

1,548.93

2,511.85

2,349.83

2,102.43

Total Income

22,375.76

21,336.74

18,135.26

14,212.04

13,720.52

13,229.66

13,494.34

Interest Expended

12,042.95

11,390.73

10,081.22

7,292.10

6,388.09

6,812.74

7,554.15

Net Interest Income

7,582.07

6,931.58

5,913.42

5,371.01

4,820.58

4,067.09

3,837.76

Total Expenditure (Excl Depreciation)

5,477.11

5,607.49

4,750.67

3,936.31

3,484.58

2,528.84

2,321.18

Employee Cost

3,673.39

3,835.26

3,344.00

2,815.17

2,483.91

1,624.49

1,433.85

Other Operating Expenses

1,803.72

1,772.23

1,406.67

1,121.14

1,000.67

904.35

887.33

Operating Profit Before Provisions and Contingencies

4,855.70

4,338.52

3,303.37

2,983.63

3,847.85

3,888.08

3,619.01

Exceptional Items

0.00

Provisions and contingencies

1,729.32

1,541.11

1,540.03

985.03

2,581.46

3,779.52

6,072.61

Profit Before Tax

3,126.38

2,797.41

1,763.34

1,998.60

1,266.39

108.56

-2,453.60

Tax

1,159.67

1,004.88

635.37

717.50

648.81

21.55

0.00

Profit After Tax

1,966.71

1,792.53

1,127.97

1,281.10

617.58

87.01

-2,453.60

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,966.71

1,792.53

1,127.97

1,281.10

617.58

87.01

-2,453.60

Face Value

10.0

Reserves

15,418.44

12,403.27

11,005.25

8,905.35

7,396.63

6,942.91

6,248.23

Operating Profit Margin (Excl OI)

72.09%

69.4%

70.3%

68.92%

68.91%

76.76%

79.62%

Gross Profit Margin

0.0%

PAT Margin

10.02%

9.78%

7.05%

10.12%

5.51%

0.8%

-21.54%

Net Interest Margin

3.08%

3.17%

2.84%

2.99%

3.03%

0.0%

Return on Assets

0.0%

CASA (%)

38.41%

37.97%

37.61%

37.89%

38.63%

38.17%

40.16%

CASA Amount

1,12,083.00

1,00,530.00

92,879.00

89,820.00

82,669.00

68,234.74

75,677.00

Capital Adequacy Ratio (Total)

17.43%

16.25%

16.01%

14.32%

14.56%

12.08%

10.27%

Capital Adequacy Ratio (Tier 1)

15.41%

14.17%

13.53%

11.57%

11.73%

9.01%

7.21%

Provision Coverage Ratio (%)

97.32%

96.16%

95.21%

93.58%

91.3%

91.22%

83.71%

Amount of Gross NPAs

5,867.25

6,081.55

6,904.77

8,506.08

10,042.41

11,440.47

22,139.65

Amount of Net NPAs

852.55

1,283.13

1,699.85

2,406.90

3,333.59

3,228.08

6,199.65

% of Net NPAs

0.36%

0.63%

0.98%

1.66%

2.81%

2.97%

6.34%

% of Gross NPAs

2.41%

2.91%

3.85%

5.63%

8.0%

9.8%

19.45%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2613.0

2478.0

2475.0

2415.0

2374.0

0.0

Number of Branches

3327.0

3263.0

3217.0

3120.0

3073.0

0.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 7.11% vs 14.55% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is 9.72% vs 58.92% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is 11.92% vs 31.34% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is -0.27% vs -0.35% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -0.50% vs -0.94% in Dec 2024

Compare Nine Monthly Results Of UCO Bank With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

19,625.02

21,526.49

-1,901.47

-8.83%

Income On Investments

4,832.64

4,777.48

55.16

1.15%

Interest On Balances With Rbi Other Inter Bank Funds

883.18

201.53

681.65

338.24%

Interest / Discount On Advances / Bills

13,834.79

16,505.20

-2,670.41

-16.18%

Others

74.41

42.28

32.13

75.99%

Other Income

2,750.74

2,603.00

147.74

5.68%

Total Income

22,375.76

24,129.49

-1,753.73

-7.27%

Interest Expended

12,042.95

11,564.92

478.03

4.13%

Net Interest Income

7,582.07

9,961.57

-2,379.50

-23.89%

Total Expenditure (Excl Depreciation)

5,477.11

4,684.81

792.30

16.91%

Employee Cost

3,673.39

2,500.26

1,173.13

46.92%

Other Operating Expenses

1,803.72

2,184.55

-380.83

-17.43%

Operating Profit Before Provisions and Contingencies

4,855.70

7,879.76

-3,024.06

-38.38%

Exceptional Items

0.00

Provisions and contingencies

1,729.32

2,351.48

-622.16

-26.46%

Profit Before Tax

3,126.38

5,528.28

-2,401.90

-43.45%

Tax

1,159.67

523.05

636.62

121.71%

Profit After Tax

1,966.71

5,005.23

-3,038.52

-60.71%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

1,966.71

5,005.23

-3,038.52

-60.71%

Face Value

10.00

0.00

Reserves

15,418.44

18,903.46

-3,485.02

-18.44%

PAT Margin

10.02%

23.25%

0.00

-13.23%

Net Interest Margin

3.08%

3.86%

-0.78

-0.78%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

38.41%

49.54%

-11.13

-11.13%

CASA Amount

1,12,083.00

1,59,363.00

-47,280.00

-29.67%

Capital Adequacy Ratio (Total)

17.43%

17.06%

0.37

0.37%

Capital Adequacy Ratio (Tier 1)

15.41%

13.95%

1.46

1.46%

Provision Coverage Ratio (%)

97.32%

98.41%

-1.09

-1.09%

Amount of Gross NPAs

5,867.25

4,387.79

1,479.46

33.72%

Amount of Net NPAs

852.55

412.29

440.26

106.78%

% of Net NPAs

0.36%

0.15%

0.21

0.21%

% of Gross NPAs

2.41%

1.60%

0.81

0.81%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

2,613.00

0.00

2,613.00

Number of Branches

3,327.00

2,719.00

608.00

22.36%

Nine Monthly - Interest Earned

Interest Earned 19625.02 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 7.11% vs 14.55% in Dec 2024

Nine Monthly - Net Profit

Net Profit 1,966.71 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 9.72% vs 58.92% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 4,855.70 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 11.92% vs 31.34% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.36%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.27% vs -0.35% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 2.41%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -0.50% vs -0.94% in Dec 2024