Mahantesh Sabarad discusses the banks' growth problem due to constrained advance growth and lagging deposit growth. The profitability is slightly lower, but the internal numbers are not too bad. However, the asset quality has not improved as expected. The stock reaction to Kotak Mahindra Bank's results is considered a short-term phenomenon, and the overall underperformance of the bank may be erased with better direction and new management. The deposit growth has caught up, but it is not sufficient for advancing growth.