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The past two years have been period of transition for us as we focused on building our retail book, add new segments viz affordable and emerging markets, strengthen distribution network, streamlining our systems and processes to strengthen our offerings to prime customers, design focused products for the affordable segments, reduce our corporate exposure, improve asset quality, and diversify liability mix with restarting of NHB refinance and debt market funding.此外，我们引入了流程以增强客户体验，并改善了风险管理，以创造强大的基础来推动加速增长。在今年第一季度，我们通过成功的权利问题筹集了249.76亿美元，以资助我们的增长愿望。我们改进的财务指标和强大的增长战略为我们从该国三个主要信用评级机构的AA+评级为AA+。
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