UNBK reported a loss of INR12.5b. PPoP growth of -15%/-11% QoQ/YoY was nullified by elevated provisions of INR32.5b (8% QoQ decline) as the bank provided INR9.9b towards the NCLT 2nd list in advance, thereby taking care of all provisioning needed towards these accounts by FY18. Provisions also included INR481m of additional provisions towards standard accounts in telecom and power sector. NII growth picked up on a moderate base to 19% YoY to INR25.5b, even with an interest reversal of INR3.8b. Domestic/Global NIM came in at2.34%/2.12% (2.19%/2.08% in 2QFY18). Muted trading gains of (INR60mcompared to INR4.8b in 2Q) led to 35% YoY decline in in other income.