ICICI Securities Ltd | Retail Equity Research On the asset quality, the bank was able to manage divergence well. Total divergence for FY17 as per RBI was |2051 crore in GNPA for FY17 but from the same |1707 crore was upgraded based on JLF decision. Based on last disclosure |800-900 crore exposure to one 5:25 account (part of |2051 crore) was already known. Accordingly, the net impact of |294 crore from divergence was negligible. GNPA ratio saw an increase of 3 bps to 1.29% QoQ and NNPA ratio...