Raj Patel

Just a quick question from my side. I wanted to know more about the regional asset quality trend. So can you just give us more color or more clarity with the regional asset quality, sir.

Got it, sir. That was really helpful. My next question was with regards to the credit spreads. So just wanted to understand by geography wise, which we are currently witnessing relatively higher credit spreads? And what are the key factors behind this?

Sorry. Yes, yes.