Sir, my first question was on the MSME segment. We are seeing the growth of 22% here and it seems that this is largely driven by the increase in ticket sizes. So, how sustainable is this growth? And have you tweaked any strategy to focus more on the higher end or larger ticket size customers within the MSME segment?
And will you shift from these 60 lakhs to 75 lakhs? It is the same customer who you are giving higher loans or it is the new customer which is coming?
Congratulations on a very good quarter. So my first question was, even adjusting for the one - offs in employee cost, the ki nd of initiatives that you have been highlighting on the productivity side, that does not seem to translate into operating leverage for us. So how to think about this because our opex to asset even adjusted for all this is extremely high. So how are you looking on this front?
All right. So this improvement yield is more a function of loan mix change rather than say...
Yes. Am I audible?
Congratulation, sir. My first question is on MSME side. So we are growing at 20%. In the morning, another Tamil Nadu based lender reported MSME growing just 2% on a Y -o-Y basis. So just wanted to understand how are we able to capture demand and grow at 20% when our same geography peer is struggling on the growth?
Congratulations, Mr. Babu, and entire Karur team for the good quarter. So just continuing from the last participant's question, where you highlighted th at bank does not want to compromise on margins and that is why bank is conservative on guidance of growth. But we also have 250% -plus LCR, Liquidity Coverage Ratio. So can you utilize this LCR and fund loan book?
Okay. And in the deposit as well, we are focusing more on the CASA franchise and the…