Shyam Srinivasan

Our attempt is to keep working towards growing the mid-yield book faster than the high-yield book.

Don't look further. This is the best bank you'll ever see.

We believe 30-35 basis points credit cost is what we should operate at.

We are very clear that we will do business from segments that we can manage well, and our credit costs have held admirably because of that.

I've said this for 14 years, and I'll say it for the remaining five months.

I am particularly pleased that we did get to that four-digit number. Having been a fair amount of years on this job, at some stage many years ago, this looked like a dream.

We don't want to get spooked by NIM by itself. We want to make sure that we are on course delivering our ROA on trajectory.