Advances are up 28% to INR 6.3 lac crore on account of low base as Q3FY17 was adversely impacted by demonetization. In terms of segments, the growth has come from both the corporate side as well as the retail side and supports the bank's indifferent attitude towards a particular segment as they want to pursue growth opportunities wherever available. NIM (calc.) stood at 4.6% and NII at INR 103 bn, grew by 16.9% yoy/4.6% qoq. On back of strong advances growth, the bank saw robust non-interest revenue growth of 23% yoy. Besides, this growth rate was high also because of low base effect as Q3FY17 was impacted by demonetisation. The bank continues to maintain its stance on optimizing operations and processes further and that reflects in C/I ratio which has come in at 40.4%, improving 190 bps yoy/110 bps qoq. As a result, operating profit stands at INR 84.5 bn, up 28% yoy/8.1% qoq. Provisions during the quarter were slightly elevated on account of asset quality divergence as assessed and reported by the RBI. However, at this point in time, most of the divergence has been corrected. Net profit came in at INR 46.5 bn up 20% yoy/12% qoq. In terms of asset...