Ankur Mishra

Hi. Hello. Am I audible?

Just wanted to make a sense of the comments which has been made so far regarding HDFC Bank chairman resignation. You have said that the board is not aware regarding what are the reasons which Atanu Chakraborty would have had. Fair point. But it is also kind of a reputation loss when somebody has mentioned in the letter that these are ethics issues, and he has clearly mentioned even the time period of 2 months.

Yes, one more thing I want to understand when you are saying appointment of the new chairman so how soon the process will start if you can apprise on that as well? Thank you.

Good evening, gentlemen. First, as you were mentioning about the retail loans, particularly, you said that disbursement should be low. I wanted to get a sense, meaning in the next Quarter, that is Q4 and onwards, you would see the loan growth in line with overall growth. Is that the correct understanding?

Right. Also wanted to get a sense on the margins front, which has been on a declining trend over the last few Quarters. Do you think that from here on, this trend may be sustaining, or you have a potential of even protecting the margins?

All right. Thank you so much.