The addition of new branches would add to low-cost deposits and help in penetration of loan products, he said. "We are trying to build operational efficiency more so that I can reduce my cost and increase my fee income. We are moving to very granular areas like increasing ATM network, improving digital banking experience," he said. He said ATM network can itself be a profit centre because outside customer pays about Rs 17 per transaction for the use of ATM machine.
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