Is the decrease in net interest income (NII) a worry?
No. The decrease in NII is much less than that in the size of the balance sheet. The margins have improved and as our balance sheet grows, NII will also improve. You said the loan book would grow by zero to 5 per cent, but there has been a contraction. So, when do we see a reversal in the trend? We have resumed growth. If you look at the quarter-on-quarter numbers, there is an increase. This year, we hope to grow the loan book by 15-20 per cent. What is the retail-corporate loan mix and will that change this year? Retail loans are around 43 per cent of the loan book, while wholesale and the international loans account for another 43 per cent. That mix will remain roughly the same. You have said there have been repayments from overseas branches. Is the loan book growing and what is the plan? The overseas book will grow around 10 per cent, while the domestic will grow over 20 per cent. Indian companies have just about started going overseas once again, but the level of activity is nowher
