INTEGRATED FILING — BANKING



General information about company

Scrip code 532505
NSE Symbol UCOBANK
MSEI Symbol NOTLISTED
ISIN INE691A01018
Name of bank UCO Bank
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 28-Apr-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 23-Apr-2024
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 28-Apr-2025   14:45:00
End date and time of board meeting 28-Apr-2025   15:25:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? Yes
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public Yes
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? Yes
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 2024-07-22
Indicate Company website link for updated RPT policy of the Company https://www.ucobank.com/policies-under-sebi-regulations
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? Yes
No. of times funds raised during the quarter 1
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 47483600000 171170900000
Income on investments 16021300000 63467400000
Interest on balances with reserve bank of India and other inter bank funds 3693500000 15020500000
Others 247500000 1010200000
Total interest earned 67445900000 250669000000
2 Other income 13922000000 44066300000
3 Total income 81367900000 294735300000
Expenses
4 Interest expenses 40461000000 154368300000
5 Operating expenses
(i) Employees cost 16178500000 54531100000
(ii) Details of other operating expenses
Description of other operating expenses
1 other operating expenses 7740700000 25463000000
Total other operating Expenses 7740700000 25463000000
Total Operating Expenses 23919200000 79994100000
6 Total expenditure excluding provisions and contingencies 64380200000 234362400000
7 Operating profit before provision and contingencies 16987700000 60372900000
8 Provisions other than tax and contingencies 6626300000 22037400000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 10361400000 38335500000
11 Provision for Tax 3837100000 13885900000
12 Net profit (loss) from ordinary activities after tax 6524300000 24449600000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 6524300000 24449600000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 6524300000 24449600000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 125395600000 125395600000
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 154184400000
20 Analytical ratios
(i) Percentage of share held by government of India 90.95 90.95
(ii) Capital adequacy ratio
CET 1 ratio 16.03 16.03
Additional Tier 1 ratio 0.34 0.34
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 0.54 2.04
Diluted earnings per share before extraordinary items 0.54 2.04
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 0.54 2.04
Diluted earnings per share after extraordinary items 0.54 2.04
(iv) NPA Ratios
Amount of gross non-performing assets 59185400000 59185400000
Amount of net non-performing assets 10683100000 10683100000
% of gross NPAs 2.69 2.69
% of net NPAs 0.5 0.5
Return on assets 0.77 0.76
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 125395600000
Reserves and surplus 184653200000
Deposits 2935421800000
Borrowings 286874900000
Other liabilities and provisions 92465400000
Total Capital Liabilities 3624810900000
2 ASSETS
Cash and Balances with Reserve Bank of India 103589200000
Balances with Banks and money at call and short notice 257680000000
Investments 942724900000
Advances 2151345800000
Fixed Assets 38519500000
Other Assets 130951500000
Total Assets 3624810900000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury operations 19805800000 82941800000
2 Corporate banking operations 40735200000 113064800000
3 Retail banking operations 20763500000 98166000000
4 other banking operations 63500000 562800000
Total Segment Revenue 81368000000 294735400000
Less: Inter segment revenue
Income from operations 81368000000 294735400000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury operations 5759000000 17947300000
2 Corporate banking operations 3063700000 10357600000
3 Retail banking operations 1475500000 9468100000
4 other banking operations 63500000 562800000
Total Profit before tax 10361700000 38335800000
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 10361700000 38335800000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury operations 1350264200000 1350264200000
2 Corporate banking operations 1218151300000 1218151300000
3 Retail banking operations 1051994600000 1051994600000
4 other banking operations 4400700000 4400700000
Total Segment Assets 3624810800000 3624810800000
Un-allocable Assets 0 0
Net Segment Assets 3624810800000 3624810800000
4 Segment Liabilities
Segment Liabilities
1 Treasury operations 1098356300000 1098356300000
2 Corporate banking operations 1355685500000 1355685500000
3 Retail banking operations 1170769000000 1170769000000
4 other banking operations 0 0
Total Segment Liabilities 3624810800000 3624810800000
Un-allocable Liabilities 0 0
Net Segment Liabilities 3624810800000 3624810800000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 0
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains 0
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 0
Other adjustments to reconcile profit (loss) 0
Other adjustments for non-cash items 0
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 0
Total adjustments to profit (loss) 0
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories 0
Adjustments for decrease (increase) in trade receivables 0
Adjustments for decrease (increase) in other current assets 0
Adjustments for increase (decrease) in trade payables 0
Adjustments for increase (decrease) in other current liabilities 0
Adjustments for provisions 0
Total adjustments for working capital 0
Total adjustments for reconcile profit (loss) 0
Net cash flows from (used in) operations 38335500000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 38335500000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 38335500000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 0
Purchase of tangible assets 0
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items 0
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities 0
5 Cash flows from used in financing activities
Proceeds from issuing shares 0
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 0
Dividends paid 0
Interest paid 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) financing activities before extraordinary items 0
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) financing activities 0
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes 38335500000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents 38335500000
Cash and cash equivalents cash flow statement at beginning of period 0
Cash and cash equivalents cash flow statement at end of period 38335500000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 PSMG & Associates Yes 28-Feb-2027
2 Sanjay Deep & Associates Yes 01-Jul-2026
3 PVAR & Associates Yes 29-Feb-2028
4 HDSG & Associates Yes 31-May-2025


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Statement on Deviation or Variation for proceeds of Public Issue, Rights Issue, Preferential Issue, Qualified Institutions Placement Etc. (1)
Mode of Fund Raising QIP
Description of mode of fund raising (Applicable in case of others is selected)
Date of Raising Funds 27-Mar-2024
Amount Raised 20000000000
Report filed for Quarter ended 31-Mar-2025
Monitoring Agency Not Applicable
Monitoring Agency Name, if applicable
Is there a Deviation / Variation in use of funds raised No
If yes, whether the same is pursuant to change in terms of a contract or objects, which was approved by the shareholders
If Yes, Date of shareholder Approval
Explanation for the Deviation / Variation NA
Comments of the Audit Committee after review NA
Comments of the auditors, if any NA
Sr. Original Object Modified Object, if any Original Allocation Modified allocation, if any Funds Utilised Amount of Deviation/Variation for the quarter according to applicable object Remarks if any


Signatory Details
Name of signatory Vikash Gupta
Designation of person Company Secretary and Compliance Officer
Place Kolkata
Date 28-Apr-2025




Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 UCO BANK ASHWANI KUMAR MD & CEO Remuneration NA 199044900000 0 0
2 UCO BANK RAJENDRA KUMAR SABOO EXECUTIVE DIRECTOR Remuneration NA 190035000000 0 0
3 UCO BANK VIJAYKUMAR NIVRUTTI KAMBLE EXECUTIVE DIRECTOR Remuneration NA 166075200000 0 0
Total value of transaction during the reporting period 555155100000





Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 286874900000