Sandeep Bakhshi

The profit before tax, excluding treasury, grew by 11.4% year-on-year to INR 156.90 billion in this quarter.

We continue to operate within a strategic framework to strengthen our franchise. Maintaining high standards of governance, deepening coverage, and enhancing delivery capabilities are focus areas for our risk-calibrated profitable growth.

I think overall, we continue to be within sort of the 50 basis points that we have been talking of in previous calls, the reported number for this quarter being 37 basis points.

We don't really pursue any particular type of deposit. I think what we want to achieve is that we should increase our share of business with existing customers and acquire new good customers.

We continue to operate within our strategic framework to strengthen our franchise, maintaining high standards of governance, deepening coverage, and enhancing delivery capabilities, are focus areas for our risk-calibrated, profitable growth.

We will remain focused on maintaining a strong balance sheet with prudent provisioning and healthy levels of capital.

The profit before tax, excluding treasury, grew by 23.4% year-on-year to INR 135.51 billion in this quarter.

The profit before tax, excluding treasury, grew by 35.7% year-on-year to INR 137.31 billion in this quarter.

The core operating profit less provisions grew by 38% year-on-year to INR 125.95 billion in this quarter.