Sir, I will say that while the journey over the past 5 years wasn't smooth as one would have liked it to be, but there were many bright spots which we appreciate and deposit growth which has been impressive. The technology stack that the Bank has built, RBI approval more recently and the CRISIL also upgrading the deposit program rating to AAA are all like highlighting the progress that the Bank has made. But the investors would also like to see the improvement in profitability, which is one metric where the Bank still has to catch up even when compared to guidance 1.0. So, my questions now are more in that context to assess the profitability outlook better, and so first, if you look at the earlier guidance was like 1.4% to 1.6% ROA by FY25 and now reaching this number may take us like another 2-3 years, if things like go on well from here. So, you think that further expansion in ROA to 1.9% - 2% ROA by FY29 is a doable after you reach this initial milestone, or will you want to revisit it at some point?
Questions across 1 call
Nitin Agarwal
Motilal Oswal Financial Services