UCO Bank , a prominent public sector lender, has announced impressive growth figures for the fourth quarter of the fiscal year 2025, showcasing strong performance across key financial metrics.

Business Growth and Advances

UCO Bank reported a substantial 14.00% year-on-year (YoY) growth in total business for Q4 FY2025, with the figure reaching Rs 5.13 lakh crore. This growth was primarily driven by a significant surge in domestic advances, which rose by 20.37% YoY to Rs 1.95 lakh crore. The bank's total advances also showed robust growth, increasing by 17.65% YoY to Rs 2.20 lakh crore.

Deposit Growth and CASA Ratio

The bank's deposit base expanded considerably, with total deposits increasing by 11.41% YoY to Rs 2.93 lakh crore. Domestic deposits, in particular, grew by 10.40% YoY, reaching Rs 2.76 lakh crore. The Current Account Savings Account (CASA) ratio, an important indicator of a bank's low-cost deposits, stood at 37.90% for domestic operations.

Key Financial Ratios

UCO Bank's credit-deposit (CD) ratio, which reflects the bank's ability to convert deposits into loans, improved to 75.01%. This increase in the CD ratio indicates the bank's enhanced efficiency in utilizing its deposit base for lending activities.

Quarterly Performance

The bank also demonstrated strong quarter-on-quarter (Q-o-Q) growth across various parameters:

Conclusion

UCO Bank's performance in Q4 FY2025 reflects a positive trend in its business growth, particularly in domestic advances and overall deposit mobilization. The substantial increase in total business and the improvement in the credit-deposit ratio indicate the bank's focus on expanding its lending activities while maintaining a healthy deposit base.

Note: The figures reported are provisional and subject to review by the Bank's Statutory Central Auditors.

UCO Bank , a public sector lender, has successfully concluded its Qualified Institutional Placement (QIP) issue, raising approximately ₹2,000 crore to bolster its capital base. The bank's Capital Raising Committee has approved the allotment of shares and set the final issue price in a move that signals strong investor confidence in the institution's growth prospects.

QIP Details and Share Price

The bank has determined and approved an issue price of ₹34.27 per equity share for the QIP. This price represents a discount of 4.99% (₹1.80 per share) to the floor price of ₹36.07, which was calculated as per the Securities and Exchange Board of India (SEBI) regulations.

Allotment and Capital Raise

UCO Bank has allotted 583,600,803 equity shares to eligible qualified institutional buyers, raising a total of ₹2,000.00 crore. This significant capital infusion is expected to strengthen the bank's financial position and support its growth initiatives.

Impact on Share Capital

Following the allotment of new shares through the QIP, UCO Bank's paid-up equity share capital has increased from ₹11,955.96 crore to ₹12,539.56 crore. The total number of equity shares has risen from 11,955,958,176 to 12,539,558,979, each with a face value of ₹10.

Key Investors

The QIP saw participation from several prominent institutional investors. Notable allocations include:

Timing and Execution

The QIP opened on March 24, 2025, and closed on March 27, 2025. The Capital Raising Committee meeting for the final approval and allotment was held on March 27, 2025, from 10:15 PM to 10:30 PM, marking a swift and efficient execution of the capital raising process.

Implications for UCO Bank

This successful QIP is a significant milestone for UCO Bank, providing it with additional capital to enhance its lending capabilities, improve its capital adequacy ratio, and potentially explore new growth opportunities in the competitive banking sector.

The strong interest from institutional investors, particularly insurance companies and pension funds, underscores the market's positive outlook on UCO Bank's financial health and future prospects. As the bank deploys this fresh capital, stakeholders will be keenly watching its strategic moves and the impact on its financial performance in the coming quarters.