create a meeting debrief based on this transcriot:Ghoshal, Sukant
0 minutes 19 seconds0:19
Ghoshal, Sukant 0 minutes 19 seconds
Yeah, they work. OK. I'm good. Thank you very much for that. I don't whether I'm logged in from the car and it's because of that. It doesn't like me logging in like that.
Ghoshal, Sukant 0 minutes 29 seconds
But we are so now we have transcription and which Pankaj is started a Co pilot from his PC. So that's awad.
Ghoshal, Sukant 0 minutes 39 seconds
Hopefully everyone has got their triggers to the acceptance now and that the cameras got system so brilliant.
AS

Anurag, Srivastava
0 minutes 46 seconds0:46
Anurag, Srivastava 0 minutes 46 seconds
Yes.

Ghoshal, Sukant
0 minutes 48 seconds0:48
Ghoshal, Sukant 0 minutes 48 seconds
I'm not. We gonna go if no one has any questions, we're gonna go to the impact assessment directly at this point of the of the use cases, we will start with credit pintard because that's a a different partner, although our the impact assessments are similar again for both. But what we have, let's look at the overall thing first. Now as you understand, so Bala.
Ghoshal, Sukant 1 minute 15 seconds
Last time when we had these assessments right, we were assessing everything at an inherent level.
Ghoshal, Sukant 1 minute 21 seconds
Now we are at a residual level, so you would see that we have brought down some of the materialities that were assessed initially on the back of the two or three things a the fact that we have a little more information from model governance, we have more understanding of what's happening between the agree within the agreements between SCB and the partners. So we've applied that.
Ghoshal, Sukant 1 minute 47 seconds
For bringing the reputational risk down a little bit, similarly, the impact on customer, et cetera, the final rating is medium and we have kept it as medium because this continues to be and this is for the review forum, this continues to be a automated credit output solution.
Ghoshal, Sukant 2 minutes 5 seconds
Which does not give the customer the leverage of, you know, giving a reinputting and information and rerunning it immediately if the customer gets rejected, they do have a recourse. They can ask for what happened, they can go back after 15 days and reapply and they might give with new information they might get approved. But at that immediate stage they they do get impacted. So we've taken all of that into consideration and kept the overall.
Ghoshal, Sukant 2 minutes 32 seconds
Impact of usage of aiml as the medium. It's still one step down from the high that we had assessed it last time because it is an residual state. Looking at the overall AI related risk.
Ghoshal, Sukant 2 minutes 48 seconds
Whether it's getting exacerbated or is it introducing anything new and that's the that's the thought process which I would like to have a quick discussion within the review forum on and the the points that I just mentioned, just so that everyone is on the same page is similar to saying for all three.
SK
Sharma, Vikash Kumar
3 minutes 8 seconds3:08
Sharma, Vikash Kumar 3 minutes 8 seconds
Soup. I'm sorry to interrupt. Are you sharing the screen? I can't see anything.

Ghoshal, Sukant
3 minutes 13 seconds3:13
Ghoshal, Sukant 3 minutes 13 seconds
Oh my God, sorry for that.
SK
Sharma, Vikash Kumar
3 minutes 14 seconds3:14
Sharma, Vikash Kumar 3 minutes 14 seconds
Sorry for it.

Ghoshal, Sukant
3 minutes 16 seconds3:16
Ghoshal, Sukant 3 minutes 16 seconds
Thank you. Thank you. Thank you for letting me know.
Ghoshal, Sukant 3 minutes 20 seconds
I think it dropped off after I'm could switched it on.

Muthukrishnan, Shobana
3 minutes 22 seconds3:22
Muthukrishnan, Shobana 3 minutes 22 seconds
When go bad, it was such done. Yeah, I I was just waiting for you to pause too. Yeah.
SK
Sharma, Vikash Kumar
3 minutes 24 seconds3:24
Sharma, Vikash Kumar 3 minutes 24 seconds
Yeah, when copilot started working, yeah.

Ghoshal, Sukant
3 minutes 29 seconds3:29
Ghoshal, Sukant 3 minutes 29 seconds
My bad, my bad.
Ghoshal, Sukant 3 minutes 31 seconds
Give me a second.
Ghoshal, Sukant 3 minutes 33 seconds
Let me go back into PDFs. Here you go. Oh, so I was just talking to my own self. So far from from a PDF centre so.
SK
Sharma, Vikash Kumar
3 minutes 42 seconds3:42
Sharma, Vikash Kumar 3 minutes 42 seconds
Yeah. So, Ganji can see now. Thank you.

Ghoshal, Sukant
3 minutes 44 seconds3:44
Ghoshal, Sukant 3 minutes 44 seconds
Thank you. So let me just take you just give you a glimpse of what we have the.
Ghoshal, Sukant 3 minutes 49 seconds
Details have been the practise itself have been shared by Swabhana earlier, but if you had take a look at how the impact assessments have been stacked here as well as the overall.
Ghoshal, Sukant 4 minutes
It's pretty much the same across the different use cases because of the factors driving factors being the same. So I'm just, I will go back and pause for a for the discussion. I'm just.
Ghoshal, Sukant 4 minutes 14 seconds
Scrolling through for everyone to look at what I say when I say that it's pretty much the same, so here I'm gonna. I'm gonna take a quick pause and I will go back to the review forum members here on the call, each Nina, Vikas Sudipta.
Ghoshal, Sukant 4 minutes 31 seconds
Is there any question that you have with regards to the logic that we have used to move from inherent to residual for for these use cases or any risk that you think we have might have missed that you would like to you know pick up and call upon?
Ghoshal, Sukant 4 minutes 55 seconds
If not, can I please check if you all are OK with the use cases being assessed as medium. This will means that this will go to the Council.
Ghoshal, Sukant 5 minutes 6 seconds
The next available Council for a pick review and discussion.
Ghoshal, Sukant 5 minutes 12 seconds
But happy to take your feedback if any Nina. Can I come to you first, please?

Saini, Nina
5 minutes 19 seconds5:19
Saini, Nina 5 minutes 19 seconds
Hiya. Yeah, I'm OK with median, given the discussions we had around the fact that it's lower than the accepted accuracy, yeah.

Ghoshal, Sukant
5 minutes 31 seconds5:31
Ghoshal, Sukant 5 minutes 31 seconds
Thank you.
Ghoshal, Sukant 5 minutes 34 seconds
Sudipta, are you online?
Ghoshal, Sukant 5 minutes 41 seconds
And then we go back to the therapy. Sorry. Yeah. Go back to the. Go ahead. Go ahead.
PS
Pradhan, Sudipta
5 minutes 42 seconds5:42
Pradhan, Sudipta 5 minutes 42 seconds
Yeah. Yes you can.

Ghoshal, Sukant
5 minutes 46 seconds5:46
Ghoshal, Sukant 5 minutes 46 seconds
OK, with it.
PS
Pradhan, Sudipta
5 minutes 46 seconds5:46
Pradhan, Sudipta 5 minutes 46 seconds
Yeah. So I also agree with the medium it relative.

Ghoshal, Sukant
5 minutes 49 seconds5:49
Ghoshal, Sukant 5 minutes 49 seconds
Thank you very much. Vikas, coming to you.
SK
Sharma, Vikash Kumar
5 minutes 54 seconds5:54
Sharma, Vikash Kumar 5 minutes 54 seconds
Yeah, sukkot. I think they're they're regulating looks made him fine for me. As you mentioned that we have few actions and you also mentioned that about the accuracy, discriminatory power, I think in the 2025 we should have one monitoring report for the data stability as well because these type of partners, if we have seen their data dynamically move. So if model is even 2 years old, sometime it doesn't work as expected. So it will be good if.

Ghoshal, Sukant
5 minutes 54 seconds5:54
Ghoshal, Sukant 5 minutes 54 seconds
From the modelling side.
SK
Sharma, Vikash Kumar
6 minutes 22 seconds6:22
Sharma, Vikash Kumar 6 minutes 22 seconds
We can have the monitoring quarterly base or six month base or I think 1 resent in 25 we should have.
Sharma, Vikash Kumar 6 minutes 28 seconds
But they will not implement it otherwise I'm fine with it, yeah.

Ghoshal, Sukant
6 minutes 30 seconds6:30
Ghoshal, Sukant 6 minutes 30 seconds
OK, Fairpoint, we will take that as an action. And when we go to Council, Thomas Bala, we will add this as one point that we have already agreed on.
AT
Airlangga, Thomas
6 minutes 40 seconds6:40
Airlangga, Thomas 6 minutes 40 seconds
Yes.

Ghoshal, Sukant
6 minutes 41 seconds6:41
Ghoshal, Sukant 6 minutes 41 seconds
To the Council with regards to, you know, ongoing how we're looking to and and once what we are, what we should declare to the Council then is that when when we complete, just come back to us with when in 2025 you can do this rerun before the Council so that we can confirm that and commit to the Council owner just an update to the Council. Can we an e-mail update?
AT
Airlangga, Thomas
6 minutes 43 seconds6:43
Airlangga, Thomas 6 minutes 43 seconds
Yeah.

Ghoshal, Sukant
7 minutes 5 seconds7:05
Ghoshal, Sukant 7 minutes 5 seconds
That this has been done, yeah.
Ghoshal, Sukant 7 minutes 7 seconds
OK. With that from a review forum standpoint, we stand.
AT
Airlangga, Thomas
7 minutes 7 seconds7:07
Airlangga, Thomas 7 minutes 7 seconds
Yes, yes.

Ghoshal, Sukant
7 minutes 14 seconds7:14
Ghoshal, Sukant 7 minutes 14 seconds
OK, for this to go to the Council, as media materiality use cases, all three of them, the.
Ghoshal, Sukant 7 minutes 21 seconds
Council's scheduled at this point in time is on the 6th, which is Thursday.
Ghoshal, Sukant 7 minutes 28 seconds
I we will forward the invite to you later today so that you can put it on to your calendars. Thank you very much everyone. Sorry for the bit of a break up on the copilot issue that we have and Pankaj thanks for your help there. We will catch up with you all with regards to the Council and anything that might be needed prior to the Council. If not, we will see at the Council. Thank you very much. You have a good rest of the day.
AT
Airlangga, Thomas
7 minutes 55 seconds7:55
Airlangga, Thomas 7 minutes 55 seconds
Thank you, Mr fun. Thank you all. Bye bye.
SK