Sanjay Agarwal

I would advise anybody that you should actually build this quarter credit cost as an overall cost for next year... build it around 90 basis points or maybe in that range so that it allows franchise to have some kind of risk-taking capability.

Our nine-year-old journey has taught us that liability is a day-to-day business, right? We need to play every day.

We are planning for next 50 years. If you look at short term you cannot plan.

Prices have bottomed. Nobody is talking, there is nothing happening in the market, and still we are selling and there is an EBITDA. That itself is the proof.

We keep on doing something new. Some new experiments are always on and we actually fail more than we succeed, but out of five experiments even if one succeeds it gives us the growth.

We have the potential to deliver a 1.8% kind of ROA on a very sustainable basis. Give us four, five more quarters for us to just get our initial investments done.

I think we have been pretty clear for quite some time that as a bank we do believe that we have the potential to deliver a 1.8% kind of ROA on a very sustainable basis.

The train of laminates had derailed for the experiments we were doing... but now actually it has come on the rails... in a year or so you will see we'll be back absolutely on the full swing.

In plywood we hardly have any market share, it is below 10%. So there is a huge possibility... even if the total growth is not very good still we have lot of headroom.

The agenda is not to degrow or grow some book on some basis... We are having a very clear agenda that growth has to come back.

Our growth will happen through market share rather than market growth.

Our focus is more on that let's reduce our cost of money, we have enough diversified asset classes, pick your asset class depending on the state requirement and then build on.