SCUFreported PAT of Rs 1.6 bn (down 9% YoY), dragged down by 78% YoY increase in provisions, despite it utilizing RBI dispensation on NPA recognition of ~Rs 2 bn. GNPAs without dispensation would have risen ~45 bps QoQ. While AUM growth was steady (5% QoQ), disbursements growth halted (down 8% QoQ) ..