Karur Vysya Bank's intention is to grow granular: MD & CEO R Ramesh Babu

'Commercial is the next big segment, and also retail. Retail is 23-24 per cent of the portfolio, out of which 50 per cent is home loan and loan against property'

Century-old Karur Vysya Bank never chased growth like some of the high street banks of Mumbai. Still, it managed to draw investor attention. R Ramesh Babu, managing director (MD) & chief executive officer (CEO) of the old-generation private bank, said he is confident that it will improve its market share with the momentum gained in recent years, in an interview with Manojit Saha.

Karur Vysya Bank is more than 100 years old. The loan book of the bank, as at June end was Rs 59,612 crore and it has deposits of Rs 71,168 crore. Don’t you think the bank has