Rajnish Karnatak
MD & CEO
Notable Quotes
We have churned our portfolio... we have shed some of our very low yielding advances and got it replaced with certain advances... giving 20, 30, 40 basis point higher.
Our RAM book should be at around 65% and 35% has to be corporate... better margins are available as far as the RAM book are concerned.
We have reduced the loan to value to 75% now. Any fresh advances in the gold loan category we are keeping a margin of 25% as against earlier of 10% or 15%.