Jana SFB s ROA has been improving due to factors such as growth in good quality assets, reduction in COVID provisioning, and cost control through digitalization. The bank anticipates a continued improvement in ROA in the future. The September 23 NIM was also 7.8%, March was 7.7%. So, the bank maintained a flattish NIMs growth. There was a small rise in cost of funds but thanks to a product mix we are able to make sure the NIMs remain steady.