Under the leadership of Mr. Natrajan heading since FY10, the bank reinvented its business model with greater emphasis on retail banking. The Focus shifted towards secured and granular business. Bank chose to create a niche in self-employed segment, which has relatively limited competition enabling the bank to improve its NIMs significantly. With branch network already doubled over the last three years, the management is targeting strong improvement in operational efficiency. We are factoring next two years CAGR loan growth of 25%, PAT growth of 31% and...