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Music I have Mr Rajesh Kumar with me chairman of State Bank of India after posting a splendid quarter this time around so first a very happy Hatteras in a very happy Diwali, and it's indeed been a very happy Diwali for you looking at your numbers happy the onions and tears to all your viewers okay I want to start with the acid quality because that's been the shining point in your earnings with slippage is of just around eight thousand odd crores but is that genre is sustainable for the ER going ahead considering that there are macro concerns individual large corporates mid-corporates concerns this is our normal hundred I would say four quarterly and sometimes one or two quarters we surprised with some higher numbers but for the year as a whole our freshly pages would be in the range of two percent of our that we will maintain quarter to quarter variations keep on happening okay, so I could not manage to catch the right off figures in the quarter and also the second part that I wanted to ask his that Finance Minister gave a special dispensation of not declaring any MSME accounts as in PS so did you restructure a lot during the quarter not a lot during the quarter but whatever accounts are eligible and that is a dispensation which was given by Reza Bank of India there was a scheme Reserve Bank of India had come out with his scheme where they had given a special dispensation, so that has been continuing since then and that his scheme is valid up to March 2020 and as I said that whatever accounts are eligible we are doing it, but the number in terms of the number of accounts is fairly significant but in terms of amounts it is not as significant okay so one of the biggest concerns at this point in time is the credit growth not picking up and so what is the main reason for that is it the demand side concern or is it the supply side concern you've tried to say that you know it's a misconception that banks are not lending but where is the bigger problem where is a problem lie and also the second part to that is where would the credit growth pickup come from because if and I see your credit growth details the large pickup has been in the retail segment the other segments have been had seen very less growth this time around, so it is the utilization of working capital limits by the large corporates which is at around 30 percent or 32 percent, so that is the only thing, and we have moved into busy season and in the second half the utilization is always better and retail growth as you have mentioned that we are going at around 18 percent, so that growth is story will continue because we are very competitive in that market our processes are quite efficient, and we have the advantage of huge distribution reach and corporate season when their utilization of working capital limit improves automatically the credit growth numbers will occur, so the asset quality concerns continue to persist and one of the newest concerns is now the telecom sector exposure because...
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