Partha Pratim Sengupta

We have already achieved that or near to achieving that. As if you see my Q4 results, we are already at 56% and another 44% is unsecured for it.

These are all rumors. I have already, we have already said for the year these are all rumors, so nothing is going at the holdco level. Nothing is going to affect the shareholding pattern of the bank.

We have seen the bottom of the nadir in the month of September when our profits went to a dip of INR 112 crore. I can say that now going on forward with this balanced book of positions, along with the lot many risk mitigation measures that we have taken, I can share that we are now having a wholesale banking group share of almost 31%.

Our guidance factor is at the end of FY 2027. We are still hopeful that we will probably be achieving it by the end of FY 2027. As you look at it, we've given a guidance of 1.6%-1.7% as at the end of FY 2027.

This quarter's performance reflects a transitional phase for the bank as we continue to realign our portfolio and operating model in response to the changing environment.

We have taken steps to transition from a microfinance-focused bank to a full-service commercial bank.

We anticipate challenges in the EV segment to persist in Q2 FY26 and based on an improving trajectory.

Our belief is that people will follow the discipline and therefore we don't see that at least reasonably larger medium player will be there all of that.

We are targeting an advances growth of 15%-17% stage year over the next three years, with a strategic focus on increasing the secured mix.

While credit costs are expected to remain elevated in half year of financial 2025-2026, we are targeting to reach 1.5%-1.6% on full year basis of the credit costs over the next two to three years.

Our focus remains on a steady and sustainable improvement in profitability, with a clear path towards improving ROA to 1.8%-1.9% over the next two to three years.

If I grow 100 in EEB, I will grow 300 in the other segments.