Demonetization impacted the overall performance with 1) Lower advances growth of ~12% YoY & flattish QoQ on back of lower demand & higher than expected repayments (~Rs.4-5 bn), 2) Lower focus on collections resulting in lower recoveries/up-gradations & 3) Higher operating cost. However, deposits witnessed healthy growth which grew by 15% YoY & 6% QoQ with CASA witnessing strong growth of ~47% YoY & 22% QoQ; CASA ratio improved by ~300 bps to 23.9%. NIMs stood at 4.18% vs 4.20% QoQ; management expects some contraction in NIMs on...