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thank you very much for that analysis Karthik srinivasan group head of financial sector ratings and ikra now joins it uh Karthik if you just hear the numbers that my colleague Abhishek had put out it doesnt dine with the kind of fall that were seeing in the banking stocks today the index itself is down close to about 1500 points what have you made of the Mayhem yes good afternoon everyone uh as a waiting analyst becomes difficult for us to comment on volatility in the stock market side but given that Financial server Fair representation of the index and of both are really interesting so from our Point what we are seeing is the the Financial Health of banks have definitely improved over the last couple of years and and they are in a much much better position today as lets say two or three years back sure because you cant be speaking about individual accounts or individual corporates but I think uh sort of uh within the the constraints that that you have if you could give us some se