Franklin Moraes

Yes, sir. Thanks for taking my question. So could you please maybe elaborate on this Y-o-Y growth? I was not very clear because at the start, you mentioned 12% to 15%. So does that hold true?

Yes. And so how long will it take for you to come back to that 12% to 15% guidance?

Okay. Sir, and also you had guided on lower NPAs by March '24. So does that hold true? And is there any visibility beyond that as well?

Thanks for taking my question . So could you share your guide path on the opex to AUM ratio and which are the regions which you are planning to focus on?

Also beyond this 50 bps reduction is there further scope for improvement in this opex to AUM ratio or should we consider this as more stable?

So Sir from a kind of a steady state scenario what kind of a number should we more look for your business model?