Akshay Jain

“Thank you for the opportunity, and thank you for the detailed margin bridge, as well as the ROA trajectory. So, just one clarification on this, you know, I don't see an impact of funding cost moderation in both the margin bridge, as well as the ROA expansion, which we discussed.”

“So, sir, my first question is on margins. So, like, if I look at cost of funds, that is still improving with additional tailwinds from, you know, if and when it comes.”

“So how does the war change your outlook on growth? Like you had indicated that, you know, the war led to increased remittances during the early days. But now, since things have settled, how is the remittance strength versus historical rates?”

“So, what is dragging the strength this quarter? So, while you have utilized contingent provisions, your write-offs are significantly lower. Any other factor you would like to address?”