Pranay Dhelia

I wish you many congratulations for a very good set of numbers and the hard work put in by the management is very reflective in the numbers now, which was elusive for quite some time. I have a very simple question, sir. You have given the future road map and the growth ahead. Can we safely say that this will be the worst quarter for us in this financial year?

So just to add on to this question sir, we are a very well -capitalized bank with our capital adequacy ratio, I think, is the highest in the industry. So will we see more disbursals or some aggressive lending happening to make good of this because we don't need any capital with such kind of a capital adequacy ratio.