MESSAGES

CD ratio: lowest compared to all the banks, estimated growth reduced by md itself, result comparatively lowest compared to all the banks, status of behaviour of executives to staff in news causing reputational risk to bank, if cd ratio is low profit margin will be adversely impacted as bank is not having low cost deposit. only plus point is bank is reporting profit QoQ basis but on reducing trend. Main focus of the Bank is customer service but not profit earning and it is compromising for merely one thing. it has restructured its administration and now having less employees on ground to work and more on admin units. do your own research before investing.