SBI Chairman on effects of  recent rate hike on credit and deposits [1] Another 50 bps soon [2] Opines — weakening credit cycle and moderation in the credit demand are two different things [3] Opines further ” we r entering the rate hike cycle with a robust growth rate ” [4] Advises  banks ” What is important is in terms of your service quality and what is the value proposition you give to a customer in terms of maintaining the account — News Courtesy BusinessLine