"We are launching multiple products in respect of assets and we want the branches to build the assets. All these products will be used for acquiring the customer. Our probability of acquiring him is limited if we don't have products lined up. If somebody wants an education loan and we don't have it, he will go to another bank and probably take deposits too. So retaining liability without a corresponding product is going to be a challenge," says RBL Bank CEO R Subramaniakumar.