The provisions have increased by 33% compared to that of FY18, mainly supported by 54% rise in provision for non performing assets. The Gross/Net NPA have declined to 1.53%/1.07% in Q4FY19, compared to 0.78%/0.43% in Q4FY18, and the stage 2 and 3 exposure at default assets have increased YoY by 52bps and 77bps respectively. At present, the RoA and RoE of LICHF stands at 1.34% and 16% of India (LIC), which is the largest insurance provider in India. With over 250 branches, ~2,300...