UCO Financial institution reported a 2.82% year-on-year enhance in internet revenue for the second quarter ended September 30, 2025, as per its official earnings disclosure. The financial institution’s internet revenue stood at ₹620 crore in Q2 FY26 in comparison with ₹603 crore in the identical interval of the earlier 12 months.
Internet curiosity revenue (NII) for the quarter rose by 10.08% year-on-year to ₹2,533 crore, up from ₹2,301 crore within the prior 12 months, the financial institution mentioned in a submitting. The online curiosity margin (NIM) was reported at 2.90% globally and three.08% domestically for the quarter ended September 30, 2025.
Asset High quality Improves
Asset high quality confirmed enchancment, with the gross non-performing belongings (GNPA) ratio decreasing to 2.56% as of September 30, 2025, from 3.18% a 12 months earlier, marking an enchancment of 62 foundation factors year-on-year.
The online NPA ratio additionally improved to 0.43% from 0.73% in the identical interval final 12 months, reflecting a 30 foundation factors enchancment. The availability protection ratio stood at 96.99% as of the tip of the quarter.
Enterprise Highlights
UCO Financial institution’s complete enterprise grew by 13.23% year-on-year to ₹5,36,398 crore as of September 30, 2025, from ₹4,73,704 crore a 12 months earlier. Complete deposits elevated by 10.85% year-on-year to ₹3,05,697 crore, whereas gross advances grew by 16.56% to ₹2,30,702 crore.
The Retail, Agriculture, and MSME (RAM) phase registered a year-on-year development of twenty-two.87%, reaching ₹1,32,946 crore as of September 30, 2025. Inside this phase, retail advances grew by 25.40% year-on-year to ₹58,987 crore, agriculture advances elevated by 17.28% to ₹31,650 crore, and MSME advances rose by 23.80% to ₹42,309 crore.
The financial institution’s capital adequacy ratio (CRAR) stood at 17.89% as of September 30, 2025, with a Tier I capital ratio of 15.90%. The credit-to-deposit ratio improved to 75.47% from 71.77% a 12 months earlier.
Half-year Efficiency
For the half-year ended September 30, 2025, UCO Financial institution reported a internet revenue enhance of ₹73 crore to ₹1,227 crore, in comparison with ₹1,154 crore in the identical interval of the earlier 12 months.
Working revenue for the half-year confirmed a development of 15.33% year-on-year, reaching ₹3,175 crore, up from ₹2,753 crore.
The financial institution’s department community as of September 30, 2025, included 3,322 home branches and two abroad branches in Hong Kong and Singapore, together with a consultant workplace in Iran. Out of the entire branches, 61% are situated in rural and semi-urban areas. The financial institution additionally reported having 2,607 ATMs and 11,108 Enterprise Correspondent Factors, totalling 17,040 contact factors.
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