ff Under 5:25 refinancing scheme the bank has refinanced Rs40bn of loan in 2Q and has guided for a pipeline of Rs66bn (8 loan A/C) to be refinanced in 2HFY16E. ff The bank is currently working on 4 special debt restructuring (SDR), which are from steel, power and construction sectors. ff The bank expects marginal decline in NIMs from current level due to 30bp cut in base rate. Reduction in low yielding treasury book along with loan book growth will support the NIM. Currently the bank is holding ~6% excess SLR....