UCO Bank Q4 FY25 Results: Profit Jumps 24% to ₹665.7 Crore, NPAs Improve

UCO Bank reported a 24% rise in consolidated net profit to ₹665.72 crore for the quarter ended March 2025, compared to ₹537.86 crore in the same quarter last year.

Higher Income

The bank’s consolidated total income during the quarter was around ₹8,136 crore, up from ₹6,984 crore a year ago.

Full-Year Performance

For the full FY ended March 31, 2025, UCO Bank’s consolidated net profit grew to ₹2,468 crore, compared to ₹1,671 crore in FY24.

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Improved Asset Quality

UCO Bank’s asset quality showed improvement:

• Gross NPA ratio fell to 2.69% from 3.46% a year ago.

• Net NPA ratio dropped to 0.50% from 0.89%.

• The provision coverage ratio stood strong at 96.69%.

Business Growth

The bank’s total business grew 14.12% year-on-year to ₹5,13,527 crore as of March 2025, supported by:

• 17.72% growth in gross advances to ₹2,19,985 crore.

• 11.56% rise in total deposits to ₹2,93,542 crore.

Strong Growth in Retail, Agriculture, and MSME Lending

The RAM (Retail, Agriculture, MSME) portfolio expanded 25.74% year-on-year to ₹1,22,613 crore, driven by:

• 35.09% surge in retail advances.

• 20.02% rise in agriculture advances.

• 18.55% growth in MSME lending.

Branch Network and Government Holding

As of March 31, UCO Bank operated:

• 3,302 domestic branches

• 2 overseas branches (in Hong Kong and Singapore)

• 1 representative office in Iran.

The government’s shareholding reduced to 90.95% from 95.39% after a capital infusion.

About UCO Bank

UCO Bank, earlier known as United Commercial Bank, is a government-owned Indian public sector bank headquartered in Kolkata. It is considered a medium-sized public sector bank in India. UCO Bank was ranked 1948 in the Forbes Global 2000 list in 2018 and secured the 80th position in the Fortune India 500 list in 2020.

As of 09:57 AM, UCO Bank share price is trading at ₹32.19, up 4.58% today. The stock opened at ₹32.15 and touched a high of ₹33.14 and a low of ₹31.80 during the day. The bank has a market capitalisation of ₹40,460 crore, a P/E ratio of 16.52, and offers a dividend yield of 0.87%. Over the past 52 weeks, the stock has hit a high of ₹62.35 and a low of ₹26.81.

Conclusion

With strong profit growth, better asset quality, and expanding business across retail, agriculture, and MSME segments, UCO Bank continues to strengthen its financial position. The bank’s improving fundamentals and wide network expansion indicate positive momentum for future growth.

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