So I have like a couple of questions. One is, see, we have a good solvency ratio and our risk management, everything has improved. So what's the outlook? I mean, is ther e any chance for upgrade going forward in the next year?
Yes, something like that, yes.
So I have a few questions regarding our foreign portfolio. We have sort of stopped writing Foreign portfolio with respect to Motor and Marine, but still we are incurring losses there, right? So how is it going to look going forward from this financial year?
Okay. So that's still continuing, right? The runoff and declines are coming still. So how long do you think that's going to happen? How long? I mean any time line? Or it is not possible to provide any time line?
Hi, everyone. Good morning. And thank you for the opportunity. So, I have 2 or 3 questions. So, government in the budget has announced that there will be a 100% FDI in the insurance sector. So, what will be the impact for us? What kind of growth that will give us with 100% FDI in insurance? And second one is, our employee cost has degrown for the 9 months, right? It has come by close to like more than 20%. Any reasons, our total employee strength has come down. What are the reasons for that? And the third one is?
So, second one is the employee strength, right, what's the employee strength currently? Because the cost has come down by like 20% in the 9 months.
I have few questions. The first one is like we have got the rating upgrade. And so what is the outlook for the growth -- premium growth for the H2 of this year?
No, I would like to ask the questions one by one.
So I have a couple of questions. First is the credit rating. I mean congratulations that we got upgraded – so not just, that is good. And -- see that rating methodology has been changed. I mean, we never got a domestic rating and international rating in the last 20 years. Any reasons for the change? And how optimistic are we going to, I mean, to A plus -- A minus? And second question is, see, we have been de -growing for the last, I mean, three years, right? So how -- I mean what kind of target we have for the next two, three years from the growth point of view?