Rajnish Garnatic

We have already done lot of homework and preparation since the draft guidelines have come. We have onboarded one of the big fours for the transitioning towards the ECL regime.

We want to increase our MCLR advances. Second part is that we want to increase more of our RAM advances because there the margins are much better.

We are very cognizant of the fact that whatever accretion of the advances which we do... majority of that advances raising will be happening through the raising of deposits.