Aditya

“My first question is on our gross margins. So, we have done well to stabilize around 67%. But now with crude prices seeing some correction, should one see this gross margin now slowly expanding to 70-71% which we used to do earlier?”

“Sir, my question is on our EBITDA margins. So, there has been a 10% increase in realization, you know, on a year-on-year basis for us. But even then, our margins on a percentage basis have actually fallen from 18% to 10%.”

“Sir, I had a question on your polymer division. So, now we are on a run rate of 750 crores, but on a bit level, this segment is still making losses.”

“Sir, I had a question on your cost of the callers. RBI, I had cut by 125 BIPs, but now if I look at your post-op deposits, it has fallen just 22 BIPs from 5.9% to 5.68%, which is pretty low as compared to some of the other banks.”

“So, we have a good proportion of AgriBook. So, considering the draw situation prevalent in the country, how are you looking at the disbursement growth in this book and also on the asset quality for our existing book?”