Sebin Joy

First of all, congratulations on the results. It looks great coming back from our times when we had losses in the previous quarters. My question was mostly on the gold loan portfolio. When I look at it overall, it's 42% of our loan portfolio. Are we planning to keep this at this range? And the follow-up question on that is like what is the approximate LTV value on these loans?

That sound prudent. Yes, I just had that question. Thank you and congrats on the results.