Our strategy will revolve around the economic outlook given to us at the beginning of every round. We will target both SMEs and corporates to sell our credit products. The ratio of loans will depend upon the economic outlook. We are looking to adopt a three-phased strategy. This involves adopting smaller net interest margins in the short term, followed by broader margins in the medium and long term, focusing only on growing the top line in the early phases, and harnessing an expanding client base in the long run. Developing loan portfolios with three pillars: MSME and growing sectors at the core, sustained emphasis on residential mortgages, and general retail and corporate as the third pillar. To complement the major lending pillars, we will steadily develop auxiliary services, notably advising and portfolio management services, with a focus on wealth management. We will also be willing to hit our bottom line in the first two years to gain the market share. Later we will harness this customer base to cross-sell the various products and increase the shareholder’s net worth. The broad results expected from this strategy include growth of the NIM margins, growth in the interest and non-interest incomes, expansion of the balance sheet and a general improvement in the solvency ratios, with a keen focus on the return on equity (ROE), liquidity coverage ratio (LCR), leverage ratio, gross NPA and net NPA