Congrats on a decent set of results. I just had a couple of questions. Firstly, on physical expansion, on branches, what is the exact outlook? Secondly, how is the growth of the wealth business evolving? Finally, how will the use of technology contribute to your growth? These are my questions.
Yes, it was on your wealth business and how is the business side of it? How is it working?
Yes, good morning. Hope I am audible.
Congrats on decent results. Mr. Pathy, I just had a couple of questions. First was on the asset quality. So, current stage one bucket has been on a slight decline, and while the other buckets from stage one to three are rising steadily as a percentage of AUM and nevertheless the ECL provisioning has not been in place to counter that phenomena and even that has be en on a decline. So, basically the buckets are basically trickling down. So, this has been seen as the onset of the current financial year. I just wanted to understand the strategy behind it and is it because that you are focusing on protecting the profitability of the Company or what is the strategy?