Loan growth should still be faster than nominal GDP growth over a 5-10-year period:Vishal Goyal November 20th, 2023 14:27 “A steady ROA expansion has happened in the last four-five years due to the factors which you just mentioned. We feel that we are probably closer to that expansion, like the peak of expansion and now we should start seeing some contraction due to NIMs stagnating or declining and credit cost already bottoming. Now, we would only see some increases in credit cost towards the average.”