With continued downward re-pricing of home loans, NIM shrunk 12bp QoQ and 50bp YoY (note that the YoY comparison is off a high base). Consequently, NII declined 4% YoY to INR8.9b. GNPL ratio was up 8bp QoQ and 23bp YoY to 0.8%, driven by higher GNPL in the corporate loan book. GNPL in the corporate loan book increased from INR4.7b in 1QFY18 to INR5.7b now. Note that 1QFY18 itself was a high base, with three builder loans amounting to INR1.2b slipping into NPL in that quarter. However, one of those three accounts was upgraded in the quarter....