INBK reported a loss before tax of INR3.8b, as provisions were elevated due to high slippages from the RBI's revised stress asset guidelines. However, tax write-backs led to PAT of INR1.3b (60% miss). Provisions included ~INR540m toward NCLT exposures, INR3.7b toward accounts slipped due to the RBI's revised stressed asset guidelines, and INR1.02b toward MTM losses. NII grew 18% YoY to INR16.4b (2% miss), led by 23% YoY loan growth, with flattish margin (NIM at 2.84%), despite interest reversals of INR320m. NII growth was partially offset by lower other income (-16% YoY due to an 85%...