RBL Bank is re-accelerating its growth phase with consistent asset quality by de-risking the credit card business (20.8% of loan book) and better quality corporate book (41.3% of book). The bank's the GNPA ratio to narrow down to 3.1% in FY23E. The wholesale book clean -up is behind us; the BB & below book (4.9%) is likely to squeeze further. We estimate ROA/ROE of 1%/8% in FY23E...