SBI Cards and · tone and specificity signals across the available quarters.
Language signals
We expect the credit cost to moderate further in FI27. However, the rate of moderation in credit cost and asset quality will depend on the evolving geopolitical landscape and its impact on the macroeconomic factors and the unsecured lending ecosystem.
We have not indicated a specific number as to where it's going to go. There will be a downward bias. ... installment lending would be our first chosen preference and we would like to invest heavily there to get the asset build up there.
We are not giving any guidance on asset growth. ... we are building on card acquisition and we expect that the asset growth will follow the card acquisition growth.