Yes. A couple of questions. Firstly, when we look at it in terms of the yields, so yields have come off on a quarter-on-quarter basis. While last time you indicated that there is a recalibration we have maybe tweaked the lending rates and the differentiated rates are being offered now. So what could be the impact? Is it more to do with income from the NPAs, which has impacted yields? Or is there anything else to read into this?
No, I was specifically asking from Q2 to Q3. Yes.
Yes, hi, sorry if I'm being repetitive because I missed the earlier part. So, on the non-home loan side anything to read into in terms of the GS3? I don't know if that was answered but there is an uptick both on a Y-o-Y and Q-o-Q. So, anything maybe are we seeing slightly higher stress one in 1+DPD or 30+DPD depending in that bucket? Yes.
Okay. And secondly, on cheque disbursal, I'm not sure if that was touched upon but how much was the impact and has it normalized? And should we see the disabled disbursements co ming back to normal? And if you look at the July months of disbursement, how the trend has been. Yes.
Yes. Firstly, with respect to the borrowings, there was a rundown. But maybe if you can help both with respect to the borrowings as well as the deposits in terms of the average, so would we have got the benefit of this entire borrowings rundown through the fiscal or this was also more towards the end of the quarter? And similarly, if you can highlight the average LCR, that could also help maybe period-end this 115-odd percent, yes?
Sure. And second, in terms of lending grades and incremental spreads, so have we increased the lending rates across the product segments and just trying to make sure that our incremental spreads are very near to what are the reported one. And as you highlighted in terms of the levers to offset the LDR cont raction, would lending rate be one of them? And have we taken some action in the last two, three months on that front?
Yes. Just wanted to check in terms of what would be the cost of bulk deposits that we raised during the quarter? And was it like more towards the end and we are not seeing the impact in terms of the overall cost of deposits?
No, cost of bulk deposits? Bulk ..