C.S. Setty
Chairman, State Bank of India
Notable Quotes
Our focus remains firmly on delivering consistent risk-adjusted returns, supported by disciplined underwriting, strong asset quality, and robust internal capital generation.
We are sticking to our credit cost guidance of 50 basis points, even despite whatever happens on the West Asian conflict.
We are focusing on the relationship value. For instance, this processing fee is not only coming from retail operations... we have readjusted our processing fee, not by way of increasing, but reducing the concessions.
We are confident that 14%-16% credit growth rate happens.
Our effort is to contain the cost-to-income ratio below 50%.
We hope to maintain at least 1% ROA. Anything extra is the bonus.