UCO Bank announced Q3FY25 results Total Business grew by 12.28% YoY to Rs 4,88,911 crore as on Q3FY25 from Rs 4,35,456 crore as on Q3FY24. Total Deposits increased by 9.36% YoY basis to Rs 2,80,256 crore as on Q3FY25 from Rs 2,56,261 crore as on Q3FY24. Gross Advances grew 16.44% YoY to Rs 2,08,655 crore as on Q3FY25 as against Rs 1,79,195 crore as on Q3FY24. RAM (Retail, Agri & MSME) business stood at Rs 1,14,350 crore as on Q3FY25 as against Rs 93,720 crore as on Q3FY24, registering a growth of 22.01% YoY basis. Retail Advances stood at Rs 50,055 crore as on Q3FY25 as against Rs 38207 crore as on Q3FY24 registering a growth of 31.01% YoY basis, backed by growth in Home loan and Vehicle loan portfolio which registered a growth of 19.35% and 51.93% respectively on YoY basis. Agriculture Advances stood at Rs 28,033 crore as on Q3FY25 as against Rs 23,353 crore as on Q3FY24, showing a growth of 20.04% YoY basis. Advances to MSME sector stood at Rs 36,262 crore as on Q3FY25 as against Rs 32,160 crore as on Q3FY24, registered a growth of 12.75% YoY basis. Business per employee improved to Rs 22.98 crore during Q3FY25 as against Rs 20.06 crore for Q3FY24. Operating Profit for Q3FY25 stood at Rs 1,586 crore registering a growth of 41.73% YoY basis as against Rs 1,119 crore for Q3FY24. For the Q3FY25, operating profit has grown by 31.37% to Rs 4,339 crore as against Rs 3,303 crore for Q3FY24. Net Profit for Q3FY25 stood at Rs 639 crore as against Rs 503 crore for Q3FY24, registering a growth of 27.04% YoY. Net profit stood at Rs 1,793 crore for Q3FY25 showing a growth of 58.95% YoY as against Rs 1,128 crore for Q3FY24. Net Interest Income (NII) for Q3FY25 stood at Rs 2,378 crore registering a growth of 19.62% YoY basis as against Rs 1988 crore for Q3FY24. For the Q3FY25, Net interest Income(NII) grew by 17.21% YoY basis to Rs 6932 crore as against Rs 5914 crore for Q3FY24. Net Interest Margin(NIM) for Q3FY25 stood at 3.17% as against 2.84% for Q3FY24. For the 9MFY25, the NIM stood at 3.12% as against 2.88% for 9MFY24. Asset Quality: Gross NPA improved to 2.91 % as on Q3FY25 as against 3.85% as on Q3FY24, registering an improvement of 94 bps YoY. Net NPA improved to 0.63 % as on Q3FY25 as against 0.98% as on Q3FY24, registering an improvement of 35 bps YoY. Provision Coverage Ratio stood at 96.16% as on Q3FY25. Result PDF