GNPA ratio increased by ~33 bps QoQ at 1.12%, (GNPA - | 3513 crore,) while NNPA remained nil. Such increase in NPA is the highest in last several quarters. This was on account of an exposure of | 909 crore as Q1FY18. As at Q4FY17, though the account was not NPA, HDFC had made adequate provisioning against this exposure. Thus, no further provisioning was required on this exposure in Q1FY18. Net interest income increased by 17.6% YoY to | 2488 crore. Margins were at 4% while spread was at 2.29%. Advances grew...