Ashok Vaswani

Our objective remains to transform the franchise for scale while building a responsible, well-governed bank which generates returns of equity in the high teens, added with a couple of points of ROE from the subs.

We are taking a watchful stance, monitoring leading indicators, particularly at the lower end of the spectrum and potential second and third order effects.

We are taking a watchful stance monitoring leading indicators particularly at the lower end of the spectrum and potential second and third order effects.

The kind of stress that we saw on the credit cost line during the first three quarters of the year is effectively behind us.

Our objective remains to transform the franchise for scale while building a responsible well-governed bank which generates return of equity at the high teens.

Our strategy is clear, execution is progressing well, and we are seeing good traction in customer acquisitions, deposit, and asset levels.

We look at every single transaction that comes up in the marketplace... we essentially have three criteria: strategic fit, valuation, and integration bandwidth.

We don't want to do anything crazy. We want to make sure that we're going to get this right.

Our focus will now be to gradually build back our retail unsecured business.

Unless there are further rate cuts, we expect the NIM to stabilize over the year.

We are committed to driving our strategy and executing on our mission to move from product centricity to customer centricity.

The real way to look at this is our cost of funds. You will see our cost of funds still is about the best there is in the industry because of the way we manage CASA, Active Money, and TD.