Raghavendra Bhat

Yes, I heard you. Thank you for all good words you have spoken. Regarding branch expansion, yes, we have plans for opening around 31 to 32 branches during the current financial year. One branch we have already opened. Remaining 12 to 13 branches, we have plans to open before the end of H1. This is one thing.

Going forward in the market, we are also aware what is happening around. Taking that into account, we are all based on the requirement, our continued effort will be from the branch, online, some IT enablement has already been done and some more requirements are coming based on our study also, based on seeing our peer group s.

Regarding recovery under te chnical written off is the focused area. Having lent, we have to recover. That is one thing. Secondly, if the accounts slip to NPA. Priority is given to recover or upgrade the account. That is a continuous focus. And having done that, we have shown substantial improvement in the previous quarter. And regarding technically written off account also, a lot of recovery plans are there.