PS Jayakumar, MD and CEO of Bank of Baroda, talking about the first quarter which saw a mixed performance, says there are too many things to work through in the ongoing quarter. He says the government’s affordable housing push will lead to rise in housing loans. He says the bank will hold a QIP if Q2 results remain steady. He adds that the bank is pursuing an employee stock buyback option to raise capital. On bank merger, he says the bank is satisfied with the process.