RBL Bank aims to increase its net interest margin (NIM) to 5.2% by March 2024 as it increases the share of higher-yielding assets in its loan book, while maintaining a share of unsecured loans such as credit cards and microfinance of more than 20% each year until March 2026. The bank intends to increase secured retail assets such as mortgages and loans against property to achieve a higher yield, and aims to reduce its wholesale lending from 44% to 30% of its loan book by end-FY26.
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