Umang Shah

Thanks for taking my question and congratulations on a very good quarter so just a couple of questions. One is continuing from the previous point on asset quality , now clearly you already guided that slippages are likely to be fairly range bound and credit cost for this year are likely to be around 10-12 basis points, but just wanted a bit of a clarification. Mr.

Understood and Sir, but do we have any large lum py NPA's which are due for resolution, let us say over next two to three quarters?

Understood Sir my second question was related to margins now again on the margin front clearly our performance has been far better compared to some of the peer banks or similar sized banks that are operating in the country.