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"On the corporate side, we will be using not only platforms to bring people together, but also analytics to find out who is producing and who is needing what," Bhattacharya said while emphasising on how the lender is going to leverage the digital platform.
She said the lender will use data analytics in retail banking too.
Speaking on the lender's credit-deposit ratio at 50.5 per cent in West Bengal, she said: "We need to create right situations for credit absorption. If there is no credit absorption capacity, pouring lot of credit will cause NPAs."
Bhattacharya said that what needs to be done in West Bengal is to have a look at value chain financing.