Bank of India management say the recovery coming from NCLT cases will augment the bank’s profitability. They say the aim is to raise Rs 600 crore via non-core assets sale going forward. On business outlook, they say the bank is aiming credit growth above 10%, global NIM above 3% in FY20. They say the stress in SME portfolio is coming down and that slippages stood at Rs 3,683 crore. They add that the bank has tightened retail lending norms.