Harshil Kothari

I would just like to understand that if I just go under the head of segment results, I can see that the retail banking profit has decreased from INR472 crores in the March quarter to INR196 crores. So can you just throw some light on that why that has happened?

Sure. Is it better now?

Okay. So if you just open the result PDF and there you will find in the segment result, the retail banking, there has been a decrease in profit from INR472 crores to INR196 crores in this quarter. So can you just shed some light why this sudden decrease in this profit segment -- this retail segment is showing so much pain?