UCO Bank532505Banking
UCO Bank management discussed retail loan growth, gold loan book, government stake dilution plans and improving return on assets
By ScoutQuest · · 1 min read
- Net interest margin
- 3.2 percent
- Rural/semi-urban branch share
- 61 percent
- Vehicle loan share of retail
- 12 percent
- Home loan growth rate
- 20 percent
- Home loan share of retail book
- 47-48 percent
Heard on business television between 11:53:13 - 11:56:13 IST.
- Management said retail growth led by home loans growing 20%, forming 47-48% of retail book.
- Vehicle loans are about 12% of retail book; festival season demand expected to boost both home and auto loans.
- Personal loans remain small as bank avoids unsecured lending, focusing on salaried class.
- Gold loan portfolio is 7-8% of total advances, around Rs 22,000 crore, with one-third retail and two-thirds agriculture.
- Government holding reduced from 95% to 90% after a Rs 2,000 crore QIP in March 2025; board approval exists for further dilution but no confirmed plan currently.
- ROA currently at 0.80%, a historical high, expected to reach 1% by next year as NPAs are provided for and credit cost declines.
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Source: Live TV News Channel · 16 Oct 2026
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