contracted by 330 bps y-o-y to 5.9% in Q2FY16. FY16. This was primarily on account of investment in sales force across regions and att IFB Points. We expect this sales force will add to the topline going forward and reduce pressure on margins going forward. Reported PAT declined sharply by 39.5% to `9.3 9.3 crores. The bottomline was largely...