IIB continues with its strong operating performance despite persistent macro headwinds, including demonetisation. Core parameters remain robust (1) Healthy broad-based loan growth, (2) Sustained SA growth of 56% YoY, (3) Stable asset quality, sans any major benefit from the RBI?s relaxation on NPA classification, (4) High NIM at 4.0%, (5) Healthy and granular fee growth of 22% on a high base and (6) Continued branch expansion (added 40 branches).