All good and great but the retail loans are only 39% of the book and the bank is able to make 18% ROE. How is this possible? Which large corporates that paying that much huge interest to the bank? Seems the bank is getting into wholesale and other very big large lending deals. Otherwise it’s almost impossible to have this kind of growth. The bank just added a kotak bank interns of deposit growth just in an year… how is this even possible in such competitive market. I’m not implying any wrongdoing but these numbers are too good to be comfortable.
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