Loan book grew 9%/25% QoQ/YoY to INR432b. Margins (incl.fees) were under some pressure (-30bp YoY to 4.3%) due to a 70bp YoY decline in yields. Management continues focusing on retail and SME segments, the share of which is currently at 47%. Overall, profitability for the full year was intact, with RoA/RoE at 1.9%/14%. ABCAP recognized 20bp NPLs stemming from the RBI's Feb 12th circular, as a result of which, GNPL ratio stands at 92bp.