So one thing I wanted to check was non-employee expenses, there has been almost like a INR10 crores decrease. So I just wanted to understand what is it and is that sustainable? And secondly, to what are the kind of growth drivers we are looking at going forward? What will change for us to actually achieve this particular growth, because, yes.
Can you also just give me an idea of what do you expect the cost -to-income be this year and next year?
Thanks for the opportunity. I just wanted to again, SMA 0, there has been a two consecutive quarter increase of INR500 crores, so almost like what I'm trying to understand is if it is like an issue which is passing by in that sense, it seems to have persisted for two quarters. And secondly, on credit cost guidance, if I understood right we are saying around 0.15 bps sorry, 15 bps. That would almost mean no provisions for the last quarter. So how should we understand it and on a sustainable basis for the next year, what should be the kind of provision on it?
If we are saying 15 bps guidance of credit cost for this year, that would mean almost like no provisions for the last quarter. So I was just trying to get some clarity on it. And a lso I wanted to understand next year, basically, what is the sustainable credit cost and also the cost-to-income kind of guidance?
Sir, can we -- for the INR450 crores, which has already come out of the restructuring before June. Are you confident that this INR64 crores of GNPA in balance? Or do we think anything further might come out of that book itself?
Okay. So basically, INR64 crores from INR450 crores and additionally, if anything comes from INR210 crores that has come out of the book, right?