spike stands imminent ahead due to daily stamping of NPAs and focus requiring to shift to 60-90dpd resolution. While Management did provide Stage 2 composition for rural (6.1%) & retail (5.6%), a clear assessment of asset quality picture stands difficult due to lack of Stage 2 disclosures. Factoring higher disbursements translating into better yields/NII but the same getting offset by increasing costs pressures lead to negligible change in our...