CNN Central News & Network–ITDC India Epress/ITDC News Bhopal : UCO Bank Q1 FY 2025–26: Key Financial Highlights

🔹 Business Growth

Total Business reached ₹5,23,736 crore as on 30.06.2025, marking a 13.51% YoY growth from ₹4,61,408 crore.

Gross Advances grew by 16.48% YoY to ₹2,25,101 crore.

Total Deposits increased by 11.37% YoY to ₹2,98,635 crore.

🔹 Profitability & Returns

Net Profit stood at ₹607 crore for the quarter ending 30.06.2025, a 10.16% YoY rise from ₹551 crore.

Operating Profit rose to ₹1,562 crore from ₹1,321 crore, reflecting 18.24% YoY growth.

🔹 RAM (Retail, Agriculture, MSME) Lending

RAM segment grew by 23.47% YoY, reaching ₹1,25,927 crore.

Retail Loans grew by 30.73%, reaching ₹56,195 crore.

Home Loans grew by 17.92%

Vehicle Loans surged by 66.94%

Agriculture Loans rose by 15.46% to ₹29,961 crore.

MSME Loans increased by 20.33% to ₹39,771 crore.

🔹 Asset Quality

Gross NPA improved to 2.63%, down 69 bps YoY from 3.32%.

Net NPA reduced to 0.45%, down 33 bps YoY from 0.78%.

Provision Coverage Ratio (PCR) stood at 96.88%.

🔹 Capital Adequacy

CRAR was 18.39% as of 30.06.2025.

Tier-I Capital Ratio was 16.36%.

🔹 Loan-to-Deposit Ratio

As of 30.06.2025, the Loan-Deposit Ratio stood at 75.38%.

🔹 Net Interest Income (NII) & Margin

NII stood at ₹2,403 crore, up 6.61% YoY from ₹2,254 crore.

Global NIM was 2.96%, and Domestic NIM was 3.18%.

🔹 Per Employee Business

Rose to ₹24.64 crore from ₹21.65 crore YoY.

🏆 Awards & Recognition

EZ 7.0 Reforms Index: UCO Bank ranked Second Runner-Up in Top Improvers.

Digital Payments Excellence:

2nd Place for FY 2022–23

3rd Place for FY 2024–25

Official Language Policy Implementation: 2nd Prize by Department of Financial Services for FY 2024–25.

🏢 Branch & Touchpoint Network

3305 Domestic Branches

2 Foreign Branches (Hong Kong & Singapore)

1 Representative Office in Iran

2575 ATMs and 10,926 BC Points – total 16,803 touchpoints

61% branches are in rural/semi-urban areas

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