Sushil Choksi

Congratulations sir for the stable result and your appointment and best wishes for the tenure. Sir, my first question is the bank has been very stable where CASA is concerned. You highlighted in your vision that you would like to increase your RAM and agriculture. So with RAM what kind of new initiatives we can see over a period of next six months or a year which would strengthen our bank's positions.

So, your rich experience with 20 years in Union Bank, four years in PNB and over 20 years in Union Bank respective EDs w ho have come from large banks. Our bank has a big brand from western India where presence is concerned irrespective of the past history where we had some issues. Today we stand on strength because of digital manpower many other initiatives.

Sir, if I take the new initiatives which RBI has taken for acquisition finance, share advances, capital market exposure through new IPO financing. You have absolu tely one of the best franchise where CASA is concerned. You have a reasonable good portfolio on retail led by housing loans and auto loans. If I have to visualize on margin front you are doing well on co - lending too.

Sir, congratulations to team PNB for very stable and good balance. And my first question is your RAM advances is visible at 17%-18%. How do you visualize here on RAM advances and what is it currently?

Sir what is the yield on RAM?

SME, it is above 9%.