Congratulations team Union Bank of India for an excellent set of numbers. My question pertains to the write -offs. The write -offs look higher in this quarter at around INR 6,108 crores. So, wanted a break-up on the regular write-offs and the technical write-offs and a color on the policy for write -offs? What is the provision we do before writing off the asset and what are the regulatory guidelines towards the write-offs?
And the write-offs were NPAs for how many years?