CIFCs vehicle finance (VF) segment (67% of AUM) delivered along expected lines in 2QFY17 with a pre-tax RoAA of 3.1% ( 90bps YoY). Disbursals/AUM grew 16/18%, NIM (8.1%) and expense ratio (3.8%) were steady, provisions fell (-80bps YoY) with GNPA (down 23/4% YoY/QoQ).