**UCO Bank’s Q2 Update: Total Business Surges 13% to ₹5.37 Lakh Crore**
*By Dwaipayan Roy | October 4, 2025, 6:47 PM*
State-owned UCO Bank has reported a robust financial performance for the quarter ended September 30, 2025. The bank’s total business reached ₹5.37 lakh crore, registering a year-on-year (YoY) growth of 13.29% and a quarter-on-quarter (QoQ) increase of 2.48%. This growth was primarily driven by a rise in both advances and deposits during the quarter.
**Financial Highlights**
**Strong Growth in Domestic Advances and Deposits**
UCO Bank’s total advances for the quarter rose by 16.67% YoY to ₹2.31 lakh crore. Domestic advances saw an even larger jump of 17.24% YoY, reaching ₹2.04 lakh crore.
On the deposits front, the bank witnessed healthy growth as well. Total deposits increased by 10.87% YoY to ₹3.06 lakh crore, while domestic deposits grew by 9.85% YoY to ₹2.90 lakh crore during the same period.
**Improved Ratio Performance**
As of September 30, 2025, UCO Bank’s domestic CASA (Current Account Savings Account) ratio stood at 38.11%, slightly down from 38.24% a year ago. However, the credit-to-deposit (CD) ratio improved significantly to 75.56% from 71.77% last year.
These metrics highlight the bank’s efficient utilization of deposits for lending activities while maintaining a healthy mix of current and savings account balances.
**Income and Asset Quality Updates**
Net Interest Income (NII) increased by 7% YoY, reaching ₹2,403 crore for the quarter.
The bank’s asset quality showed signs of improvement as well. The Gross Non-Performing Assets (NPA) ratio declined slightly to 2.63% from last quarter’s 2.69%. Meanwhile, the Net NPA ratio improved to 0.45% from 0.50% recorded in the March quarter.
These figures indicate that UCO Bank maintained a healthy balance between its assets and liabilities while managing credit risks effectively during the quarter.
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UCO Bank’s strong Q2 results reflect its steady growth momentum and disciplined approach towards risk management, positioning it well for the upcoming quarters.
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