"Our focus is to grow exposure beyond South India'

Thrissur-based South Indian Bank is looking to expand beyond Kerala. The lender is also shifting its focus on loan mix to micro small and medium enterprises (MSMEs) and retail, from the current bias towards corporates, the bank's managing director and chief executive officer P R SESHADRI said in an telephonic interview with Shine Jacob. Edited Excerpts:

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Growth during Q1 has also come from corporates at over 40 per cent, while you were betting big on MSMEs and retail. What's your loan mix strategy like?

We have a two pronged strategy. One is to make our branches more efficient and ensure that we can deliver great products and services from the branches. Through this we can increase productivity of our staff, which will enable us to deliver more MSME loans, more retail loans and so on. We are building a series of new systems between now and February of next year, which will change the way we interact with our customers. Through this, we can get more MSME and retail loans.