Sir, just a couple of questions from m y side. First question is, how much are we confident that we would be able to deliver a growth of 12% considering the vis-à-vis Q1 muted numbers? Second question is, any major slippages are we expecting either from the corporate or from the retail , could you guide us? And how do you see your overall credit cost to be kicking up over the next upcoming quarters also? And fourth question is, how do you see the overall cost -to-income ratio, any ballpark number you would like to share because considering a littl e bit fee income remain muted and you have already given the clarity and how do you see the overall treasury income to be performed over a period of time?
Sir, one, you mentioned that 12% credit growth is bare minimum, do you expect that the growth will be coming from within J&K or outside the J&K?