Loan book grew 16% YoY (-3%QoQ), lower than expected marred by lower disbursements and client acquisition post demonetisation. Asset quality deteriorated with GNPA moving 344bps QoQ to 3.69% (excluding RBI dispensation for demonetisation). Margins contracted 410 bps YoY on lower loan growth and interest reversals, leading to -65%YoY de-growth in PAT. Transformation to SFB is gaining pace, and has converted 15 branches in FY17 and expects to operate 171 bank branches by FY18....