Srikarthik Velamakanni

Thank you. I have a question on the AFS book. You mentioned our excess liquidity is roughly Rs. 65,000 crores whereas the AFS book itself aggregates to Rs. 25,000 crores. So, how do you intend to really deploy this excess liquidity because largely logged in the HTM portfolio?

Yes, sir. Part of the liquidity will have to be sold from the HTM book also, right?

Understood. And in this quarter, what is the percentage of recovery in our net interest income?

Sir, are the change in employee expenses for the quarter -- is it a reflection of the new people that is higher in the top management? And is this the new run rate that we'll have to focus on?

Got it. The second question is the sequential credit growth is actually slightly better than what in general we've seen for the last few quarters. I know Q4 cannot be extrapolated for all the quarters. I am just curious as to why you've refrained from giving any guidance because the asset quality issues are behind us, a lot of the operational issues are now stabilizing.

Got it. Last question, what is our current LCR ratio? Or where are we seeing there in terms of a liquidity position?