Loan growth continue to remain steady at 16% YoY with individual loans growing at 14.9% YoY, while developer loan on a lower base grew at strong pace of 62.3% YoY to | 13614 crore (6.9% of total loan). The management's focus continue to remain on affordable housing compared to LAP/LRDs; consequently share of LAP/LRD declined to 16.9% vs. 17.2% in Q4FY19. Asset quality witnessed deterioration with absolute stage 3 default at | 1757 crore vs.| 1524 crore. Stage 3 default ratio surged 44 bps QoQ to 1.98%. Absolute GNPA was at | 3887 crore out of which | 2307 crore was...