FY26 has commenced on a strong note with profitable growth and disciplined execution. Our diversified lending model continues to scale efficiently — driven by robust asset quality, improved operating leverage, and deeper integration of technology and Al across platforms. The impending merger of our lending entities will further streamline operations, unlock synergies, and sharpen our strategic focus. We also have meaningful embedded value in our balance sheet— through Shriram investments, AIF recoveries and deferred transaction proceeds — and remain focused on timely, value-accretive monetisation of these assets. With a strong foundation, clear strategic priorities, and continued operational momentum, we are well positioned to drive sustainable growth and long-term value creation as a future-ready financial services institution.