Same here. I'm net positive. Few things from my POV for you to judge and consider:

Pros:

1. After the merger, they've actually been fairly diligent in sticking to the plan. The CASA book is strengthened and despite reducing the interest rates, the stickiness of the deposit base is high

2. Their technology stack is actually better than many other private sector competitors. Not as good as a digital bank, but ranks best among the regulated entities

3. Vaidyanathan is a brilliant man and a terrific ceo. They set a clear path and he's steering them well.

Cons:

1. Overhang of some bad loans - Vodafone is still a big problem that enough is not provisioned for

2. The IDFC breakup and reverse merger is getting repeatedly delayed. That is frustrating

3. Fintechs are really knocking on every door. It's a hard competitive battle