Yash Singh

Yes. So my first question is how much of the SFB technology invest is now behind the bank? And should investors expect technology costs to moderate after FY27 as the platform moves from implementation into steady state?

Yes. Okay. Got it. And I had one more question. I just wanted to know the future guidance on ROEs post the development of our loan book and what is the expected boost in our top line growth due to us transitioning to SFB, speaking on a longer-term basis, I guess, FY30?

So can I assume the earlier guidance of 20 %-plus on ROEs will hold still until further update then?