Hi,
In the screenshot you shared… they have clearly mentioned that ratio is “Estimated to drop to 65% q4 FY25”.
Not sure why they use the word ‘drop’ though. it is increasing.
Edit: Also, in the last earnings call VV said this’
“So these small movements of 10 basis points, 20 basis points
here or there are not really disturbing us whether in cost of funds or any of these line items”. I am unable to find an questions on the estimated move to 65%. 10% is not small. Right?
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