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vv is a good startup guy, but may not be as good in consolidating and growing steadily... so long as the growth rates were high, it was ok to hear cost ratio being high, provisions on the higher side... but now, there is definitely a mismatch and does not look like coming down anytime soon.... also looks defensive in his interactions now. either he needs to show a turn around in this quarter to restore confidence or give way to new ceo.
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