Having said that, the reason why we feel that we are pretty confident in pent-up demand, because of the asset quality being much better than what we really expected and possibly also the fact that whatever had happened during the pandemic, I think that is all over now. We made all write-offs and provisions and we have nothing more to practically look at in terms of stability and once all these factors start kicking in, our cost-to-income ratios, as well as ROAs, everything will have a positive impact in terms of whatever guidance we have given.
The CEO’s Playbook: Top 6 strategic leadership lessons inspired by cricket
Girish Kousgi, MD & CEO of PNB Housing Finance, believes that cricket is more than a game—it’s a way of life that closely mirrors leadership.
June 22, 2025