Net profit rises 15.65% YoY; total business crosses ₹5.53 lakh crore. Pictures PIB/BS Agency.
Sanchita Chatterjee, BS News Agency, Kolkata: UCO Bank today announced its financial results for the third quarter ended December 31, 2025 (Q3 FY 2025–26) at a press conference addressed by Shri Ashwani Kumar, Managing Director & CEO, in the august presence of Shri Rajendra Kumar Saboo and Shri Vijaykumar Nivrutti Kamble, Executive Directors.
The Bank reported a net profit of ₹739 crore, registering a year-on-year growth of 15.65%, while operating profit for the quarter stood at ₹1,680 crore, up 5.93% YoY. Net Interest Income (NII) increased by 11.27% YoY to ₹2,646 crore, with Global NIM at 3.08% and Domestic NIM at 3.27%.
As on December 31, 2025, total business of the Bank grew by 13.25% YoY to ₹5.53 lakh crore, driven by 16.74% growth in gross advances to ₹2.43 lakh crore and 10.64% growth in deposits to ₹3.10 lakh crore. The RAM portfolio (Retail, Agriculture and MSME) expanded by 25.86% YoY to ₹1.44 lakh crore, reflecting strong momentum across priority sectors.
Asset quality continued to improve, with gross NPA declining to 2.41% and net NPA to 0.36%, while the Capital Adequacy Ratio remained robust at 17.43%, supported by a Tier-I ratio of 15.41%.
Operational efficiency also strengthened, with improvements in business per employee and business per branch.
The Bank reiterated its focus on sustainable growth, improved asset quality and enhanced efficiency, while continuing to strengthen financial inclusion through its extensive branch network.