Hello, sir. Congratulations. Sir, my first question is on deposit growth. So you explained very well on how you've been shedding bulk deposits, but the gap between deposit and loan growth is quite wide for us now. So when do you see a pickup in deposit gro wth? Because the gap has to be bridged, right, at least to the sector al level. So that's my first question. And my second
Okay, sir. Thank you. Thanks a lot.
Good evening sir. Sir on your provisions, see earlier also, there was a write-back from ILFS one of the accounts and you have not taken it into the numbers. And now other banks this year, this quarter have taken another account, Sterling Biotech in their numbers as a write-back. Have we accounted for the write -backs on these 2 accounts in our numbers now? Were they both accounted for in 4Q? And under which line item?
No, no. Sorry, I didn't get that. Sorry, sir, could you please explain again?
Yes, hi. So I had a couple of questions. Probably this was discussed earlier on the call also. So our receivables growth is now 2% year-on-year. And given the war situation and given that even other banks in their commentary were not sounding very optimistic on credit cards growth or to put it in other words, they were more bullish on other segments than cards. So how do you view your near-term growth because of uncertainties and also because of lack of festive season, growth is likely to remain subdued in the near-term, right, 1 to 2 quarters, and then we look forward to the festive pickup. Is that the correct assessment?
Got it. And regarding the provisioning reversal, so we had INR47 crores of credit cost reversal, right? And we've seen that in the past few quarters as well. So you have write-offs which are possibly coming down and then you are seeing a reversal on provisions. Is that likely to continue? Because it's very difficult to forecast that number, right? It's either 0 or -- it's been 0 or negative for quite some time?