Good evening, sir. Thank you for giving me an opportunity. Before asking questions, I would like to bring your attention to some figures. Post-IPO 2018, the bank has made provisions of more than Rs 36,000 crores in provisions and contingencies. And against that, bank has recovered around Rs 7,000 - 8,000-odd crores. And credit cost has been elevated post-IPO more than 3%. So, my other like friends have asked the question about NPAs and all, and you have answered categorically. But I want to be looking because shareholders have been in continuous pain, and they have lost around 50% of their net worth, right? So how do you -- my only question is like how the bank is going to have robust risk management system and getting back to its original right to getting profitability so that shareholders could be rewarded?
Thank you very much, sir. And we expect that legacy or not legacy because people move once their time has come or they got a better opportunity elsewhere. But I think the NPA has been or like constant tapping from where the water is leaking around the banking system. And I think the banking -- the RBI and the bank itself are very cognizant of that, and they will take care of because these NPA remaining every month -- every quarter, there is a slippage. I hope this will be contained. Thank you very much, sir.