Sequential increase in fresh slippages was primarily due to higher slippages from SME (Rs23bn), Agri (Rs15bn) and retail (Rs12bn) segments. Maximum of these slippages are seasonal in nature and tend to increase in 1Q. On the other hand, mid-corporate segment witnessed decline in fresh slippages formation Contraction in NIM was primarily due to 30bps reduction in base rate along with inclusion of one-off interest from income tax refund in 4QFY15 Loan book contraction was primarily due to subdued activity in large and midcorporate segments. Loan growth is expected to improve in 2HFY16E The bank's SLR holding stood at ~28% v/s regulatory requirement of 21.5%...