Asset quality deteriorated with a higher GNPA of 1.21% (+49bps YoY) while, NPAs in the Individual Loan book increased to 0.81%. PAT grew by 18%(YoY) on account of lower than expected provisioning. We expect loan growth to sustain due to strong mix of salaried class in the clientele and factor a loan-book growth of 15% CAGR over FY18-20E. NII...