UCO Bank has disclosed its financial performance for the second quarter and half-year ending September 30, 2025. The bank’s net profit for the quarter reached Rs. 620 crore, marking a 2.82% increase from Rs. 603 crore in the same period last year. Net Interest Income (NII) also saw a rise, reaching Rs. 2,533 crore, which is a 10.08% increase from Rs. 2,301 crore in the previous year.

Operating profit for UCO Bank in Q2FY26 was reported at Rs. 1,613 crore, reflecting a growth of 12.64% compared to Rs. 1,432 crore in Q2FY25. The bank’s total business expanded by 13.23%, increasing from Rs. 4,73,704 crore as of September 30, 2024, to Rs. 5,36,398 crore as of September 30, 2025.

The bank’s asset quality showed improvement with net non-performing assets (NPA) reducing to 0.43% on September 30, 2025, from 0.73% a year earlier, indicating a 30 basis point improvement year-on-year. Gross NPA also improved to 2.56% from 3.18%, representing a 62 basis point enhancement over the same period.

Gross advances increased by 16.56% year-on-year to Rs. 2,30,702 crore in the September quarter of 2025 compared to Rs. 1,97,927 crore in the same quarter of the previous year. Retail advances saw a significant rise of 25.40%, reaching Rs. 58,987 crore compared to Rs. 47,039 crore in the prior year.

Total deposits for UCO Bank rose by 10.85% year-on-year to Rs. 3,05,697 crore during the reviewed quarter from Rs. 2,75,777 crore in the corresponding quarter of the previous year. The bank’s network as of September 30, 2025, included 3,322 domestic branches and two international branches located in Singapore and Hong Kong.

The bank also maintained one representative office in Iran and had a significant presence in rural and semi-urban areas with 61% of its branches located there. As of September end in 2025, UCO Bank operated a total of 2,607 ATMs and had established 11,108 BC Points.

Half-Year Financial Performance

For the half-year ending September 30, 2025, UCO Bank’s net profit increased by Rs. 73 crore to reach Rs. 1,227 crore compared to Rs. 1,154 crore for the same period in the previous year. Net interest income (NII) for this half-year period rose by 8.36% to Rs. 4,936 crore from Rs. 4,555 crore a year earlier.

The provision coverage ratio stood at an impressive level of 96.99% as of September end in the current fiscal year.