If you talk about the yield, the yield on the loan portfolio has increased to 9.55% from previous quarter, that is 9.34% and the cost of borrowing has increased from 8.18% to 8.34% and if we talk about the spread, the spread has improved from 1.16% to 1.21%, so there is an increase of around 5% in the spread margin. The debt equity ratio has improved from 5.35% to 5.14%. So these are all about the income analysis.
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