Desmond Lee

Just maybe 2 items here. Can I ask you about the capital levels for the standalone entity? I noticed it declined Q-on-Q by quite a bit. I think about 22% now from 26%. Just wondering, can you provide some forward guidance as you regrow your loan book, will your earnings be able to follow that loan book growth and maintain a capital level? Just want to get some sense whether this number will cover or will it fall?

26.3% to 22% Q -on-Q. So just wondering any forward guidance on where you want to bring capital?

So just to clarify. So as you start to pick up on the assignment, again, you expect capital levels should get better from here or?