Congratulations on good set of numbers. So our ROA has improved from 7.7% to 7.9% and there is this gain on sale of financial instrument as well. So how much of it is this increase of 20 bps attributable to, say, improvement in the cost of borrowings and a ttributable to this gain on financial instruments?
So I just had a basic question. The ROA has improved from 7.7% to 7.9% Q-on-Q, right?
So, I am having a question on like average loan to value ratio has reduced from 40.5% in Q1 to 39% in Q2, which means that underlying collateral increased around 2,200 crores, loan book increase of 583 crores. What can be the possible reason? Is the bank focusing on prudent lending?
We added 113 new branches this quarter, right? But the company's loan portfolio has grown by about 583 crores only in Q2. What can be the possible reason for this slower growth?