to nonrecurring pretax gain of Rs 9.2bn on 22.9% stake sale in general insurance subsidiary.ThecapitalgaintaxpaidonthesaleamountedtoRs2bn.AdjustedPATgrew 4%yoytoRs14.2bn(adjustingforcapitalgain,tax&contingentprovision;). 8 Netinterestspread(2.26%)declined5bpsyoyand3bpsqoq,primarilyduetodeclining spreadsinIndividualloans.NIM(at3.8%)wasstableyoy(10bpsqoq).Onacalculated basisNIMforQ1FY17declinedby4bpsto2.13%. 8 GrossNPAratiodeterioratedby6bpsyoyto0.75%,(primarilydueto5bpsincreasein...