UCO Bank (NSE:UCOBANK)

UCO Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	171,171	218,543	176,505	149,813	144,461
Interest Income on Investments	79,498	-	-	-	-
Total Interest Income	250,669	218,543	176,505	149,813	144,461
Interest Paid on Deposits	154,368	137,536	103,074	85,084	89,665
Net Interest Income	96,301	81,008	73,431	64,729	54,797
Net Interest Income Growth (YoY)	18.88%	10.32%	13.44%	18.13%	7.61%
Gain (Loss) on Sale of Assets	-	5.78	1.66	5.17	-209.59
Gain (Loss) on Sale of Investments	-	6,081	-3,140	2,456	15,000
Other Non-Interest Income	44,066	26,569	28,223	28,547	19,452
Total Non-Interest Income	44,066	32,655	25,085	31,008	34,242
Non-Interest Income Growth (YoY)	34.94%	30.18%	-19.10%	-9.44%	19.26%
Revenues Before Loan Losses	140,367	113,663	98,516	95,738	89,039
Provision for Loan Losses	22,037	20,074	14,356	30,471	39,820
Revenue	118,330	93,589	84,160	65,267	49,218
Revenue Growth (YoY)	26.43%	11.20%	28.95%	32.61%	-
Salaries and Employee Benefits	54,531	48,867	38,727	33,143	34,427
Occupancy Expenses	-	6,327	5,309	4,469	3,912
Selling, General & Administrative	-	1,203	983.97	845.66	1,070
Other Non-Interest Expense	25,463	11,504	10,089	9,306	8,140
Total Non-Interest Expense	79,764	67,901	55,109	47,763	47,548
EBT Excluding Unusual Items	38,566	25,689	29,051	17,504	1,670
Pretax Income	38,566	25,689	29,051	17,504	1,670
Income Tax Expense	13,886	9,151	10,428	8,206	-
Net Income	24,680	16,537	18,623	9,298	1,670
Net Income to Common	24,680	16,537	18,623	9,298	1,670
Net Income Growth	49.24%	-11.20%	100.30%	456.63%	-
Basic Shares Outstanding	11,980	11,956	11,956	11,638	9,918
Diluted Shares Outstanding	11,980	11,956	11,956	11,638	9,918
Shares Change (YoY)	0.21%	-	2.73%	17.34%	26.10%
EPS (Basic)	2.06	1.38	1.56	0.80	0.17
EPS (Diluted)	2.06	1.38	1.56	0.80	0.17
EPS Growth	48.93%	-11.20%	94.97%	374.39%	-
Dividend Per Share	0.390	0.280	-	-	-
Dividend Growth	39.29%	-	-	-	-
Effective Tax Rate	36.01%	35.62%	35.89%	46.88%	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.