AU Small Finance Bank Limited CC-Oct25.pdf · 2025-10-17
Congratulations on a good set of the numbers. Just a few small questions as most of the questions have been answered. Sir, given your opex, you have partly -- on the opex strategy, partly you already answered in the Nitin question that you don't want any opex to be on a front-loaded and will be on a more long-term basis. But anything from a -- given you wanted to transition in the next 5 quarters as a Universal Bank, any further investments which may be required towards the operational or on the digital journeys before you wanted to transition this? Second is, are you working towards an internal strategy where you wanted to keep the opex as a threshold -- cost-to-income ratio around the 60% level? And lastly, any gaps which have you identified before you wanted to successfully move this transition? Yes, that's it.
Sure.