UCO Bank announced the financial results for the quarter ended on December 31, 2025 on Saturday, January 17. The lender reported a 15.76% year-on-year increase in net profit for the December quarter to ₹739.51 crore, compared to ₹638.83 crore in the corresponding period a year ago.
The lender’s total income for the December quarter rose to ₹7,521.16 crore, up from ₹7,405.89 crore in the year-ago period, while interest earned rose to ₹6,651.84 crore as against ₹6,219.96 crore, according to the exchange filing.
, headquartered in Kolkata, reported an operating profit increase of 5.96% to ₹1,680.24 crore in October-December, up from ₹1,585.69 crore in the same period last year.
Meanwhile, provisions and contingencies dropped to ₹525.12 crore in the quarter ending December, down from ₹589.51 crore, it stated.
showed progress in asset quality, with gross non-performing assets (NPA) decreasing to 2.41% as of December 31, down from 2.91% last year. The gross NPAs amounted to ₹5,867.25 crore, compared to ₹6,081.55 crore during the same period last year.
Net NPAs also improved, dropping to 0.36% at ₹852.55 crore from 0.63% at ₹1,283.13 crore.
The lender’s capital adequacy ratio was 17.43 per cent as of December 31, improving from 16.25 per cent reported in the corresponding period of the previous year.
As of December 31, 2025, had a total of 3,327 domestic branches, along with 2 overseas branches in Hong Kong and Singapore, and one Representative Office in Iran. Approximately 61.25% of domestic branches are located in rural and semi-urban areas.
UCO Bank’s nine-month performance
UCO Bank’s operating profit rose by 11.92% to ₹4,856 crore as on December 31 2025, on a Y-o-Y basis, as against ₹4,339 Crore for the same period the previous year. The lender’s net profit rose by 9.70% to ₹1967 crore for the period under review, on a Y-o-Y basis, against ₹1793 crore for the nine months ended December 31, 2024.
Net interest income (NII) grew by 9.38% on a year-over-year (Y-o-Y) basis to ₹7,582 crore for the nine months ended on December 31, 2024, as against ₹6,932 crore for the corresponding period previous year.
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