Robust broader capex cycle to accelerate corporate loan book: BoB MD & CEO

'We have made investments in terms of making sure our savings banks franchise is strengthened'

After the bank’s third-quarter earnings, SANJIV CHADHA, managing director and chief executive officer, Bank of Baroda (BoB), in conversation with Subrata Panda, delves into BoB’s exposure to Adani Group, its loan and deposit growth trajectory. Edited excerpts:

Where do you see your net interest margins (NIMs) settling at?

There is some impact of the natural lag that exists between the repricing of assets and liabilities. We have also seen some structural changes to the balance sheet. They are primarily from a larger composition of retail assets. Within retail assets, a significantly larger composition of personal loans. These are likely to