Instability in J&K; impacted business activities thereby keeping credit offtake muted and operational performance subdued. Operating profit was at | 336 crore, down 21% YoY largely due to flattish NII and lower other income. NII came in at | 875 crore, flat YoY, due to muted credit growth & decline in margins. Reorganisation in state related slippages and thereby higher provision led to loss of | 917 crore in Q2FY20 and de-growth of 52% YoY to ~| 49.6 crore in Q3FY20. Impact on business activities and repayment ability of borrowers led to asset quality deterioration on exposure in Jammu &...