reduced by 8% sequentially. In retail banking, 2-wheeler segment and CV segment have higher GNPA ratio of 9.3% and 3.6% respectively; However NPA ratio inched down in both segment. BBG/LAP segment has GNPA of 2.9%. Stress in MFI has GNPA ratio of 3.2%. The SMA1/SMA2 stood at 25bps and 59bps respectively. The standard restructured assets went down and stood ~76bn (3.3% of book) v/s 80bn (3.6%). Vehicle finance and MFI contributed around 50% (37bn) and 13% (10bn) of restructured pool. The bank's provision expenses down sequentially to 16.5bn v/s 17bn in the previous quarter. The total provisions (including contingent) stood at...