Aditya Mundra

Sir, a couple of questions. Sir, so our NIM, you mentioned that it will continue to remain stable at around 4.2% levels. So, what will be the main -- because what it appears from the system that there is a lot of pressure on the cost of deposit, in the sense that doesn't seem to be reducing. And even on the yield side, if you hear the commentary of other banks, they're not very sure of the growth there.

Sir, most of our book is fixed rate, right? About half of our book is fixed rate...

Yes, I'm on the microphone. Sir, am I audible now?