Firstly, is on the asset quality on the commentary that maybe in a one or 2 quarters' time, we could see the peaking of credit cost. So just wondering what's our best guess of what happens after the credit cost peaked, i.e., if I look at FY '26, how fast do you think credit costs can come down or is it likely to remain at a 9% level for some time. How should we think about this, sir?
Got it, sir. And on the interest earning assets, I was just trying to back calculate what the interest- earning assets growth on a sequential basis. Not sure I get it correctly, but it seems to be about 2%, which that number used to be somewhere above mid -single digit for the last 7, 8 quarters. So how should we think about the interest earning asset growth from here? Also given the tough asset quality environment, we are kind of taking prudently in terms of these interest earning assets growth. So how should we think about it going forward?