UCO Bank Reports Strong Q1 FY26 Results: Net Profit Up 10.16%, NPA Improves Significantly
The announcement highlights an all-round strong performance across profitability, business growth, and asset quality. The significant reduction in NPAs and robust capital adequacy are critical indicators of the bank's improving financial health and operational efficiency, likely to instill high confidence among investors and stakeholders.
The bank reported strong financial performance with significant year-on-year growth in net profit (10.16%) and operating profit (18.24%). Key business metrics like total business, gross advances, and deposits also showed healthy growth. A notable positive is the substantial reduction in both Gross NPA (69 bps) and Net NPA (33 bps), indicating improved asset quality. The capital adequacy ratio remains strong.
* UCO Bank reported a net profit of ₹607 Crore for the quarter ended 30 June 2025, marking a 10.16% year-on-year (Y-o-Y) growth compared to ₹551 Crore in the same period of the preceding year. * Operating profit for the quarter increased by 18.24% Y-o-Y to ₹1,562 Crore from ₹1,321 Crore. * Total Business grew by 13.51% Y-o-Y to ₹5,23,736 Crore as on 30 June 2025. * Gross Advances increased by 16.48% Y-o-Y to ₹2,25,101 Crore, while Total Deposits grew by 11.37% Y-o-Y to ₹2,98,635 Crore. * The Retail, Agriculture & MSME (RAM) segment saw a 23.47% Y-o-Y growth, reaching ₹1,25,927 Crore. * Retail advances grew by 30.73% Y-o-Y to ₹56,195 Crore, agriculture advances by 15.46% Y-o-Y to ₹29,961 Crore, and MSME advances by 20.33% Y-o-Y to ₹39,771 Crore. * Asset quality improved significantly with Gross Non-Performing Assets (NPA) reducing by 69 basis points (bps) Y-o-Y to 2.63% as on 30 June 2025. * Net NPA also improved, reducing by 33 bps Y-o-Y to 0.45%. * The Capital Adequacy Ratio (CRAR) stood at 18.39% as on 30 June 2025, with Tier I Capital Ratio at 16.36%. * Provision Coverage Ratio was robust at 96.88%. * Net Interest Income (NII) for the quarter grew by 6.61% Y-o-Y to ₹2,403 Crore. * The bank secured the 2nd runner-up position in the EASE 7.0 reforms index and was awarded 2nd position for outstanding performance in Digital Payments for FY2022-23 and 3rd position for FY2024-25.
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