How is retail banking doing as the delinquency rates are rising?
Yes, the delinquency rates are up. But we are fortunate that we are not in the vehicles business. Consumer finance is again a segment we do not play in. The credit environment is showing stress and NPAs (non-performing assets) are marginally up. As a percentage of net advances, NPAs rose to 0.58 per cent at the end of March this year compared to 0.43 per cent last year. We are keeping a close watch, but not everything is bad. There are segments that pay well and yet not show any stress. So there is a lot of scope to grow these segments. How much capital will you get into the bank? The (HSBC) group has allowed us to retain profits and we are generating good profits. We have a comfortable capital adequacy ratio. So there is some cushion. There is every indication that the group will support growth. I am not saying that we need capital. But when support is required, we will get it. Will you also look at an IDR (India depository receipt)issue? IDR is an avenue to raise funds. Whether we ra
