On risk-taking, I think, it has been demonstrated empirically now by a lot of analytical work that has been done on the trade floor and in various circles, that the risk attitude is different. You see that by the sort of rotation of portfolios, for instance, and that has been studied extensively.
They also have the opportunity to refine customer understanding to a different level, with the help of analytics, which would improve customer centricity. Concluding thoughts At this stage, I would like to acknowledge the contributions made by you all. As CIOs and IT managers, you have all excelled in bringing about the much needed change in the banking sector.