Yes. Congratulations to the IOB for a good set of numbers and also all the best for the fundraising plans that the company has. I have a couple of questions, sir. One is regarding RBI penalty and the other one is about lending rate reduction. So first, I will just ask you about lending rate reduction. So reason for rate cut, what prompted the company to 25 bps RLR cu t despite unchanged repo rates, what was the reason to drive this credit growth o r respond to the market trends, that's the first question? And the second is regarding your impact on NIM and profitability, how will this cut affect margins in FY '26? And what measures are in place to mitigate the impact? So this is on lending rate and then I will come back to you on RBI penalty that was [inaudible 26:07]?
Okay, sir. So any steps -- corrective steps that the bank will tak e to strengthen the compliance and internal controls post RBI?