UCO Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

6,537.17

6,436.01

6,744.59

6,219.96

6,078.36

6,023.99

5,859.70

Income On Investments

1,615.18

1,564.61

1,602.13

1,566.93

1,592.38

1,585.30

1,536.65

Interest On Balances With Rbi Other Inter Bank Funds

273.09

356.78

369.35

359.66

348.02

422.80

388.96

Interest / Discount On Advances / Bills

4,626.12

4,490.89

4,748.36

4,272.22

4,137.96

3,958.55

3,900.79

Others

22.78

23.73

24.75

21.15

0.00

57.34

33.30

Other Income

884.22

997.20

1,392.20

1,185.93

993.07

835.43

1,124.91

Total Income

7,421.39

7,433.21

8,136.79

7,405.89

7,071.43

6,859.42

6,984.61

Interest Expended

4,004.45

4,032.78

4,046.10

3,842.28

3,778.02

3,770.43

3,672.34

Net Interest Income

2,532.72

2,403.23

2,698.49

2,377.68

2,300.34

2,253.56

2,187.36

Total Expenditure (Excl Depreciation)

1,803.74

1,838.17

2,391.92

1,977.92

1,861.81

1,767.76

2,039.40

Employee Cost

1,214.03

1,276.35

1,617.85

1,322.69

1,304.45

1,208.12

1,542.67

Other Operating Expenses

589.71

561.82

774.07

655.23

557.36

559.64

496.73

Operating Profit Before Provisions and Contingencies

1,613.20

1,562.26

1,698.77

1,585.69

1,431.60

1,321.23

1,272.87

Exceptional Items

0.00

Provisions and contingencies

588.14

616.06

662.63

589.51

492.84

458.76

467.36

Profit Before Tax

1,025.06

946.20

1,036.14

996.18

938.76

862.47

805.51

Tax

405.30

338.76

383.71

357.35

336.02

311.51

279.74

Profit After Tax

619.76

607.44

652.43

638.83

602.74

550.96

525.77

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

619.76

607.44

652.43

638.83

602.74

550.96

525.77

Face Value

10.0

Reserves

15,418.44

12,403.27

Earnings per share (EPS)

0.49

0.48

0.52

0.53

0.5

0.46

0.44

Diluted Earnings per share

0.49

0.48

0.54

0.53

0.5

0.46

0.44

Operating Profit Margin (Excl OI)

63.41%

61.87%

54.71%

58.72%

61.26%

63.04%

57.22%

Gross Profit Margin

15.68%

14.7%

15.36%

16.02%

15.44%

14.32%

13.75%

PAT Margin

9.48%

9.44%

9.67%

10.27%

9.92%

9.15%

8.97%

Net Interest Margin

2.9%

2.96%

2.99%

3.17%

3.1%

3.09%

3.03%

Return on Assets

0.0%

CASA (%)

38.11%

36.91%

37.91%

37.97%

38.24%

38.62%

39.25%

CASA Amount

1,10,555.00

1,03,378.00

1,04,705.00

1,00,530.00

1,00,933.00

98,364.00

98,120.00

Capital Adequacy Ratio (Total)

17.89%

18.39%

18.49%

16.25%

16.84%

17.09%

16.98%

Capital Adequacy Ratio (Tier 1)

15.9%

16.35%

16.37%

14.17%

14.6%

14.75%

14.54%

Provision Coverage Ratio (%)

96.99%

96.88%

96.69%

96.16%

95.94%

95.76%

95.38%

Amount of Gross NPAs

5,894.72

5,911.52

5,918.54

6,081.55

6,293.86

6,420.12

6,463.30

Amount of Net NPAs

961.94

997.60

1,068.31

1,283.13

1,406.44

1,473.42

1,621.64

% of Net NPAs

0.43%

0.45%

0.5%

0.63%

0.73%

0.78%

0.89%

% of Gross NPAs

2.56%

2.63%

2.69%

2.91%

3.18%

3.32%

3.46%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2607.0

2575.0

2522.0

2478.0

2472.0

2477.0

Number of Branches

3322.0

3305.0

3302.0

3263.0

3247.0

3230.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is 1.57% vs -4.58% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is 2.03% vs -6.90% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is 3.26% vs -8.04% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is -0.02% vs -0.05% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is -0.07% vs -0.06% in Jun 2025

Compare Quarterly Results Of UCO Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

6,537.17

7,128.38

-591.21

-8.29%

Income On Investments

1,615.18

1,633.82

-18.64

-1.14%

Interest On Balances With Rbi Other Inter Bank Funds

273.09

32.32

240.77

744.96%

Interest / Discount On Advances / Bills

4,626.12

5,450.71

-824.59

-15.13%

Others

22.78

11.53

11.25

97.57%

Other Income

884.22

845.23

38.99

4.61%

Total Income

7,421.39

7,973.61

-552.22

-6.93%

Interest Expended

4,004.45

3,880.81

123.64

3.19%

Net Interest Income

2,532.72

3,247.57

-714.85

-22.01%

Total Expenditure (Excl Depreciation)

1,803.74

1,518.55

285.19

18.78%

Employee Cost

1,214.03

822.06

391.97

47.68%

Other Operating Expenses

589.71

696.49

-106.78

-15.33%

Operating Profit Before Provisions and Contingencies

1,613.20

2,574.25

-961.05

-37.33%

Exceptional Items

0.00

Provisions and contingencies

588.14

755.87

-167.73

-22.19%

Profit Before Tax

1,025.06

1,818.38

-793.32

-43.63%

Tax

405.30

185.24

220.06

118.8%

Profit After Tax

619.76

1,633.14

-1,013.38

-62.05%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

619.76

1,633.14

-1,013.38

-62.05%

Face Value

10.00

0.00

Reserves

15,418.44

18,903.46

-3,485.02

-18.44%

Earnings per share (EPS)

0.49

2.12

-1.63

-76.89%

Diluted Earnings per share

0.49

2.12

-1.63

-76.89%

Operating Profit Margin (Excl OI)

63.41%

68.09%

0.00

-4.68%

Gross Profit Margin

15.68%

25.51%

0.00

-9.83%

PAT Margin

9.48%

22.91%

0.00

-13.43%

Net Interest Margin

2.90%

3.85%

-0.95

-0.95%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

38.11%

50.35%

-12.24

-12.24%

CASA Amount

1,10,555.00

1,55,979.00

-45,424.00

-29.12%

Capital Adequacy Ratio (Total)

17.89%

18.13%

-0.24

-0.24%

Capital Adequacy Ratio (Tier 1)

15.90%

14.96%

0.94

0.94%

Provision Coverage Ratio (%)

96.99%

98.34%

-1.35

-1.35%

Amount of Gross NPAs

5,894.72

4,372.06

1,522.66

34.83%

Amount of Net NPAs

961.94

442.08

519.86

117.59%

% of Net NPAs

0.43%

0.18%

0.25

0.25%

% of Gross NPAs

2.56%

1.72%

0.84

0.84%

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

2,607.00

0.00

2,607.00

Number of Branches

3,322.00

2,665.00

657.00

24.65%

Quarterly - Interest Earned

Interest Earned 6537.17 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 1.57% vs -4.58% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 7.55% vs 16.47% in Sep 2024

Quarterly - Net Profit

Net Profit 619.76 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 2.03% vs -6.90% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 2.82% vs 50.06% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,613.20 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is 3.26% vs -8.04% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 12.69% vs 45.80% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.43%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.02% vs -0.05% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.30% vs -0.38% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 2.56%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is -0.07% vs -0.06% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -0.62% vs -0.96% in Sep 2024