Asset quality improved sequentially as slippages declined to 3.2% of loans in Q3FY19 as compared to 3.9% in Q2FY19, of which 84% of the slippages were from the pre-disclosed watchlist. Consequently, Gross and Net non-performing asset (NPA) ratios improved by 77 and 60 bps QoQ to 11.0% and 4.3%, respectively. Notably, BOB has a total exposure of Rs4,680cr towards IL&FS;, of which Rs1,170cr slipped during the quarter and the residual continues to remain standard. Further, BOB has an exposure of Rs23,654cr to NCLT accounts with PCR of 73%. Going forward, we believe that asset quality will improve as the incremental loan addition is with...