Advances stood at INR 1,591 bn, +23% yoy/4% qoq, driven by both corporate as well the retail segment. At INR 653.8 bn, retail book is up 27% yoy/7% qoq while the corporate book at INR 936.9 bn is up 21% yoy/3% qoq. NIMs (calc.) stood at 4.1% versus 4.2% during Q2FY18/4.4% during Q3FY17. NII at INR 24 bn was up 17% yoy/4% qoq. With strong non-interest revenue performance (+14% yoy/+9% qoq), total income stood at INR 34 bn, +16% yoy/+5% qoq. Operational efficiencies have continued to kick in in terms of merger synergies and increased productivity due to digital measures being undertaken. Operating profit at INR 18 bn was up 20% yoy and 5.5% qoq. The bank witnessed improved credit quality and thus provisioning was only 2 bn translating into credit costs of 40 bps, down marginally qoq. Net profit was at Rs. 10.5 bn, up 20% yoy and 6% qoq, translating into ROE of 11.6%. We expect as operational synergies from the merger continue to be realized and as further...