Anand Swaminathan

I have a couple of questions. One, we have just crossed the two-year mark post-merger as well. If we can give some key success metrics in terms of synergies and what has worked out the best? And also, if you can highlight what has been lagging versus what we had envisaged two years back?

Any comments on the ROA trajectory? Our intention always was to go back to the upper end of that 1.8% to 2.2% ROA range. Where are we in that journey now? What timeframe we should think about?

Thanks a lot.

Manian, since you've joined, has there been any change in the structure of the relationship in any of the fintech, any product changes, anything you can highlight in terms of any change in approach to your fintech channels?

Sure. And the decline in the pers onal loan account number is purely on a conservatism or anything else happening there?