surprise on asset quality. While continued accelerated write-offs supported NPA decline (107bpsQoQ to 1.8%), bounce rates and collections are back to pre-COVID levels. Barring auto and mortgages that remained pain-points, the Co.'s OTR portfolio (now part of Stage 2) remains under stress led by 36% unsecured assets, 57% secured and one large B2B account (6% of total OTR). In light of higher provisioning (58%PCR, 181bps on Stage 1 & 2) and upbeat...