UCO Bank shares rose 4% in morning trade on April 29 after the lender posted strong Q4 FY25 results. As of 10:19 AM, the shares were trading 4% higher at Rs 32.01.
The bank reported a 24% year-on-year (YoY) growth in standalone net profit at ₹652.43 crore, up from ₹525.77 crore in Q4 FY24.
Total income climbed to ₹8,136.79 crore from ₹6,984.61 crore a year earlier, while interest earned rose 15% YoY to ₹6,744.59 crore. Importantly, Net Interest Income (NII) grew by 23.3% to ₹2,698.49 crore, indicating strong core operational performance.
UCO Bank’s operating profit (before provisions) stood at ₹1,698.77 crore for the quarter, up from ₹1,272.87 crore in the previous year.
Asset quality also saw notable improvement. The Gross Non-Performing Assets (GNPA) ratio declined to 2.69% from 3.46%, and Net NPA dropped to 0.50% from 0.89% YoY, showing better recovery efforts.
For FY25, the bank’s Return on Assets (ROA) improved to 0.77%, compared to 0.56% in FY24. UCO Bank’s net worth reached ₹21,107 crore by the end of March 2025, reflecting a stronger balance sheet.
On a full-year basis, UCO Bank reported a net profit of ₹2,444.96 crore in FY25, a robust 47% increase from ₹1,653.74 crore in FY24.
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