Hi, good evening. Just two questions. One is data keeping. Are we 100% provisioned on MFI today? The provision coverage?
Sure, got that. So, basically, before the CGFMU portfolio that will be 100% and the CGFMU portfolio, whatever goes into NPA will be according to the formula which is applicable?
So just to explain the last question on -- in terms of strategy, once you become an universal bank. So on the distribution side, now we have present almost pan -India. So once you become universal bank, what will be the strategy in terms of your distributio n? So now earlier it was more contiguous. It was more into top 50 deposit centers. Now, how do you look for the distribution side?
Second question was on other opex. Basically, this quarter, it was almost flattish if you look at quarter-on-quarter basis. What were the levers for us, available for us for that opex to be where it is?
Sir, just one question on Tier-1. As of April 1, what will be our Tier-1, sir? This is again including the merger, I’m asking.
So, approximately 21%, 22% is the Tier-1 we are talking about, right?
A couple of questions. One, just a clarification, this recovery was part of a regular pool of return of accounts, right? We were supposed to do about INR500 crores, INR600 crores this year, and that is the part of this?
Absolutely. Second question was on -- in terms of growth, you gave an answer earlier in terms of loan growth outlook. But given that there is a pent -up demand, which is coming in vehicle loan, some parts happening in consumer as well. Do we see between, in the retail, we see further mix change in second half?
Sir, just wanted to take your thoughts on the ROA and ROE. From the last two quarters we have been maintaining a very steady ROA of about 1.7. Now when there are some repricings going to come next two quarters , what are the levers available for us ? So we have seen this quarter OPEX coming down. Some part of provisioning also coming down. What are the levers available to maintain ROA or will it also be slightly under pressure going ahead?
Got it, sir. Thank you for that . The second question was on mortgages business . We've seen a strong growth what will be the incremental yield here and what will be a general reset of for pricing here?
So few questions. One is on the yield perspective. Basically, wanted to check what is the risk time for our working capital loans? I mean, just wanted to check how much pass on has happened, how much will it be?
Just wanted to check, although they are on EBLR, is there any reset or is it happening on T+1?
Two questions from my side. One is on the retail gold loans. This quarter, also, we've not seen any material growth despite gold prices being up, our LTV being stable. Any strategy on that because this is one important piece for our high-yielding group strategy?
Yes. It was flattish, like 1% odd, quarter-on-quarter despite gold prices being so high in the last quarter. So anything on that?