Background: Amongst the top players in Auto loans, Home Loans origination, Personal loans, Commercial Vehicles, Cash Management. Strengths include its Strong Brand Equity, Professional Management, Distribution Reach, High CASA (40%), Clean, Seasoned books & Profitability focus. RoE 19.4%, RoA - 1.9%, Cost /Inc 42.3% as of 3QFY16. CAR 15.7%, Tier I 12.8%. 4000+ branches across 1845 cities with 12000+ ATMs. ADRs / GDRs - 17.3% of Equity. Retail Asset book 49%....