UCO Bank's Q4FY25 Quarter Results
- 2d ago
Result Summary
- UCO Bank reported a 5.7% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 17.4%.
- Its expenses for the quarter were down by 1.9% QoQ and up 24.4% YoY.
- The net profit increased 259.5% QoQ and increased 312.8% YoY.
- The earnings per share (EPS) of UCO Bank stood at 0.5 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 6984.61 | 7405.89 | 5946.94 | -5.7% | 17.4% |
Total Expenses | 5711.74 | 5820.20 | 4589.89 | -1.9% | 24.4% |
Provisions & contingencies | 467.36 | 589.51 | 450.54 | -20.7% | 3.7% |
Profit Before Tax | 805.51 | 996.18 | 906.51 | -19.1% | -11.1% |
Tax | 279.74 | 357.35 | 325.28 | -21.7% | -14.0% |
Profit After Tax | 2301.15 | 640.16 | 557.45 | 259.5% | 312.8% |
Earnings Per Share | 0.50 | 0.50 | 0.50 | 0.0% | 0.0% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
UCO Bank is a well-established institution in the banking industry, providing a wide array of financial services including corporate, retail, and international banking operations. It offers products such as loans, deposits, credit cards, and investment services. UCO Bank is one of India's major public sector banks, with a strong presence across the country. As of the latest available data, the bank has been focusing on improving its financial health and expanding its reach, although specific recent developments beyond this data are not available.
Revenue
In the fourth quarter of fiscal year 2025 (Q4FY25), UCO Bank reported a total income of ₹6984.61 crores. This represents a decline of 5.7% quarter-over-quarter (QoQ) from ₹7405.89 crores in Q3FY25. However, on a year-over-year (YoY) basis, the total income increased by 17.4% from ₹5946.94 crores in Q4FY24. These figures suggest a dynamic revenue environment over the reported periods, influenced by various factors such as interest income, fee income, and other banking operations.
Profitability
The bank's profitability metrics show notable changes. Profit before tax in Q4FY25 stood at ₹805.51 crores, reflecting a decline of 19.1% QoQ from ₹996.18 crores in Q3FY25 and a decrease of 11.1% YoY from ₹906.51 crores in Q4FY24. Tax expenses were also reduced by 21.7% QoQ and by 14.0% YoY, amounting to ₹279.74 crores in Q4FY25. Despite these declines, the profit after tax surged to ₹2301.15 crores in Q4FY25, marking an increase of 259.5% QoQ and 312.8% YoY. This significant rise in profit after tax is a key highlight of the quarter's financial performance.
Operating Metrics
The bank's total expenses decreased slightly by 1.9% QoQ, from ₹5820.20 crores in Q3FY25 to ₹5711.74 crores in Q4FY25. Year-over-year, there was a 24.4% increase from ₹4589.89 crores in Q4FY24. Provisions and contingencies for Q4FY25 were ₹467.36 crores, showing a reduction of 20.7% QoQ from ₹589.51 crores in Q3FY25, but a modest increase of 3.7% YoY from ₹450.54 crores in Q4FY24. Earnings per share remained constant at 0.50 across all compared periods, indicating stability in this particular metric. These operating metrics provide insight into the bank's cost management and risk provisioning strategies during the quarter.
