Santanu Chakrabarti

Thank you for the opportunity. First off, congratulations on a strong show, especially on the retail deposit front. I have 2 questions. And parts of this discussion have been reported before. But I just wanted to clarify your thinking on the incremental loan growth dynamic, just want to put to get any uncertainties about this?

Just a moment, I'm saying that if, for example, corporate loans rising was a little better this quarter, it was 15 basis points better on the 5% that you've let go. Would it have changed your appetite? Or if your credit strategy tethered really to LDR? I just want to get clarity on this. At the margin, is pricing the primary driver of whether you do that extra 3%, 4%? Or is LDR the primary consideration?

Right. So that's exactly what I wanted to get clarified because it's getting kind of interpreted, I guess, among some quarters that it's primarily LDR -driven, right. So just wanted to get clarity on deposits part. My second question rela tes to the CRB business. Now obviously, it seems to be going pretty well in terms of growth.