The Karnataka Bank · tone and specificity signals across the available quarters.
Language signals
Whatever we promise we deliver. This has been the tendency, and last year was a difficult year for us because of the negative trend in the business. Still we could do fairly well in the last quarter. This year going forward I'm quite confident that the growth will be good.
Priority is to increase the CD ratio. As I was mentioning, last year also the CD ratio dropped to 71%. Now it is around 78% plus and going forward we continue to improve the ratio. Therefore yes, focus is on increased lending.
I don't foresee any additional provisioning because of slippage and all going forward. The SMA portfolio is very much under control, otherwise it is very much under control.
These are the things which whatever is there as the best practices there is a guided system guided principle which we are updating all our investors and stakeholders by reporting this matter publishing this through stock exchange filing. Please go by that.