IIB reported a PAT of Rs9.2bn (up ~4.6% yoy), lower than our/consensus estimates, as it made a contingent provision of Rs2.75bn for its ILFS exposure. Though the total exposure to the group is undisclosed, we assume the provision is ~25% of the exposure. Operational performance was healthy with advances growth of 32.4% yoy to Rs1631bn, while deposits grew ~18.9% yoy to Rs1682bn. NII remained in line at Rs22bn (21% yoy);...