Please ans this in 10 minutes

Post March, 2020 Indian Economy so were the Global Economy have passed through lockdowns and disruption in supply chain management. The cash flows of public and private enterprises have undergone directional change. Now when the economies are seen to come out and light is seen on the other side of tunnel various segments of credit seems to be K shaped in terms of recovery i.e. some have caught momentum of growth eg. digital platforms while others are decelerating e.g. FMCG. In order to clearly understand this phenomenon, you are required to go through the Credit Portfolio of HDFC Bank as a the end of Q2 FY'21. The composition of the portfolio and dynamics thereof is given for three comparative periods. You are expected to analyse and respond (point-wise): First, the segmental dynamics in the Credit Portfolio and identify the directions of change over same period last year j.e. YoY. Secondly, segment-wise QoQ growth to find out pace of credit growth therein to find out the currently moving segments Thirdly, Are there directional changes in the portfolio? If yes, please specify. Fourthly, If yes, then what are the changes (segment-wise more/less flow now)? Fifthly, what is the likely impact of this change on credit portfolio health (riskiness) and profitability? Fourthly, If yes, then what are the changes (segment-wise more/less flow now)? Fifthly, what is the likely impact of this change on credit portfolio health (riskiness) and profitability? (* Crs) 30-Sep-20 30-Jun-21 30-Sep-21 113,168 120,466 126,358 Personal Loans Auto 88,059 95,195 91,910 72,235 75.754 62,808 60.0521 63,092 67 783 Home Loans Payment Products Loan against Property Two Wheelers 48,611 51,696 54 426 10,585 9.713 9,526 8.213 Gold Loans 6,933 8,109 Other Retail 37,455 41,137 45,604 279.371 336 228 359 020 46 004 50.105 56.004 Commercial & Rural Banking Excl Agriculture Agriculture Corporates & Other Wholesale Total 294 767 314,621 312,423 1.047,814 1,159.231 1.210.389