falling CI ratio (60.3%, +300bp QoQ) trend of past few quarters. Provisions at INR302m (+14% YoY, 4% miss) led to PAT growth of 21% YoY (7% miss). Loan book grew 7%/21% QoQ/YoY to INR173b, led by strong growth in AIB (+21% YoY), MSME (+31% YoY) and corporate book (+28% YoY), while other categories such as CV/CE (+51% YoY) and gold (+21% YoY) also showed strong growth. Corporate book inched up to 17% of loans. Absolute GNPA/NNPA grew to INR3.2b/INR1.6b (+11%/+5% QoQ), driven by 16%/10% sequential growth in mortgage/AIB GNPA (INR1.16b/INR561m)....