UCO Bank Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

6,651.84

6,537.17

6,436.01

6,744.59

6,219.96

6,078.36

6,023.99

Income On Investments

1,652.85

1,615.18

1,564.61

1,602.13

1,566.93

1,592.38

1,585.30

Interest On Balances With Rbi Other Inter Bank Funds

253.31

273.09

356.78

369.35

359.66

348.02

422.80

Interest / Discount On Advances / Bills

4,717.78

4,626.12

4,490.89

4,748.36

4,272.22

4,137.96

3,958.55

Others

27.90

22.78

23.73

24.75

21.15

0.00

57.34

Other Income

869.32

884.22

997.20

1,392.20

1,185.93

993.07

835.43

Total Income

7,521.16

7,421.39

7,433.21

8,136.79

7,405.89

7,071.43

6,859.42

Interest Expended

4,005.72

4,004.45

4,032.78

4,046.10

3,842.28

3,778.02

3,770.43

Net Interest Income

2,646.12

2,532.72

2,403.23

2,698.49

2,377.68

2,300.34

2,253.56

Total Expenditure (Excl Depreciation)

1,835.20

1,803.74

1,838.17

2,391.92

1,977.92

1,861.81

1,767.76

Employee Cost

1,183.01

1,214.03

1,276.35

1,617.85

1,322.69

1,304.45

1,208.12

Other Operating Expenses

652.19

589.71

561.82

774.07

655.23

557.36

559.64

Operating Profit Before Provisions and Contingencies

1,680.24

1,613.20

1,562.26

1,698.77

1,585.69

1,431.60

1,321.23

Exceptional Items

0.00

Provisions and contingencies

525.12

588.14

616.06

662.63

589.51

492.84

458.76

Profit Before Tax

1,155.12

1,025.06

946.20

1,036.14

996.18

938.76

862.47

Tax

415.61

405.30

338.76

383.71

357.35

336.02

311.51

Profit After Tax

739.51

619.76

607.44

652.43

638.83

602.74

550.96

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

739.51

619.76

607.44

652.43

638.83

602.74

550.96

Face Value

10.0

Reserves

15,418.44

12,403.27

Earnings per share (EPS)

0.59

0.49

0.48

0.52

0.53

0.5

0.46

Diluted Earnings per share

0.59

0.49

0.48

0.54

0.53

0.5

0.46

Operating Profit Margin (Excl OI)

64.52%

63.41%

61.87%

54.71%

58.72%

61.26%

63.04%

Gross Profit Margin

17.37%

15.68%

14.7%

15.36%

16.02%

15.44%

14.32%

PAT Margin

11.12%

9.48%

9.44%

9.67%

10.27%

9.92%

9.15%

Net Interest Margin

3.08%

2.9%

2.96%

2.99%

3.17%

3.1%

3.09%

Return on Assets

0.0%

CASA (%)

38.41%

38.11%

36.91%

37.91%

37.97%

38.24%

38.62%

CASA Amount

1,12,083.00

1,10,555.00

1,03,378.00

1,04,705.00

1,00,530.00

1,00,933.00

98,364.00

Capital Adequacy Ratio (Total)

17.43%

17.89%

18.39%

18.49%

16.25%

16.84%

17.09%

Capital Adequacy Ratio (Tier 1)

15.41%

15.9%

16.35%

16.37%

14.17%

14.6%

14.75%

Provision Coverage Ratio (%)

97.32%

96.99%

96.88%

96.69%

96.16%

95.94%

95.76%

Amount of Gross NPAs

5,867.25

5,894.72

5,911.52

5,918.54

6,081.55

6,293.86

6,420.12

Amount of Net NPAs

852.55

961.94

997.60

1,068.31

1,283.13

1,406.44

1,473.42

% of Net NPAs

0.36%

0.43%

0.45%

0.5%

0.63%

0.73%

0.78%

% of Gross NPAs

2.41%

2.56%

2.63%

2.69%

2.91%

3.18%

3.32%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

2613.0

2607.0

2575.0

2522.0

2478.0

2472.0

2477.0

Number of Branches

3327.0

3322.0

3305.0

3302.0

3263.0

3247.0

3230.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 1.75% vs 1.57% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 19.32% vs 2.03% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 4.16% vs 3.26% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.07% vs -0.02% in Sep 2025

% of Gross NPAs

QoQ Growth in quarter ended Dec 2025 is -0.15% vs -0.07% in Sep 2025

Compare Quarterly Results Of UCO Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

6,651.84

7,344.20

-692.36

-9.43%

Income On Investments

1,652.85

1,650.95

1.90

0.12%

Interest On Balances With Rbi Other Inter Bank Funds

253.31

25.82

227.49

881.06%

Interest / Discount On Advances / Bills

4,717.78

5,647.10

-929.32

-16.46%

Others

27.90

20.33

7.57

37.24%

Other Income

869.32

932.86

-63.54

-6.81%

Total Income

7,521.16

8,277.06

-755.90

-9.13%

Interest Expended

4,005.72

3,921.92

83.80

2.14%

Net Interest Income

2,646.12

3,422.28

-776.16

-22.68%

Total Expenditure (Excl Depreciation)

1,835.20

1,619.57

215.63

13.31%

Employee Cost

1,183.01

797.86

385.15

48.27%

Other Operating Expenses

652.19

821.71

-169.52

-20.63%

Operating Profit Before Provisions and Contingencies

1,680.24

2,735.57

-1,055.33

-38.58%

Exceptional Items

0.00

Provisions and contingencies

525.12

728.19

-203.07

-27.89%

Profit Before Tax

1,155.12

2,007.38

-852.26

-42.46%

Tax

415.61

228.05

187.56

82.25%

Profit After Tax

739.51

1,779.33

-1,039.82

-58.44%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

739.51

1,779.33

-1,039.82

-58.44%

Face Value

10.00

0.00

Reserves

15,418.44

18,903.46

-3,485.02

-18.44%

Earnings per share (EPS)

0.59

2.31

-1.72

-74.46%

Diluted Earnings per share

0.59

2.31

-1.72

-74.46%

Operating Profit Margin (Excl OI)

64.52%

68.03%

0.00

-3.51%

Gross Profit Margin

17.37%

27.33%

0.00

-9.96%

PAT Margin

11.12%

24.23%

0.00

-13.11%

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%

Quarterly - Interest Earned

Interest Earned 6651.84 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 1.75% vs 1.57% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 6.94% vs 12.03% in Dec 2024

Quarterly - Net Profit

Net Profit 739.51 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 19.32% vs 2.03% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 15.76% vs 27.05% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,680.24 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.16% vs 3.26% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 5.96% vs 41.69% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.36%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.07% vs -0.02% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 2.41%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.15% vs -0.07% in Sep 2025

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