respectively on an amalgamated basis, driven by lower slippages, higher treasury gains and lower other opex. Moratorium levels for TLs at 20% as of July-end based on one unpaid monthly instalment looks superior compared with peers. Based on two unpaid installments, the ratio stands at 7%. Despite the 160 bps erosion in CET1 ratio owing to the amalgamation with Allahabad bank, bank's CET1 ratio at 10.3% as of 1QFY20 remains the best amongst PSBs. With low capital consumption (RWA/assets at...