NIM GUIDANCE RETAINED BETWEEN 12.8% TO 13%. CREDIT COST GUIDANCE RAISED TO 6.7% TO 6.9% FROM 4.5% TO 5% EARLIER. ROA GUIDANCE CUT TO 2.3% TO 2.4% FROM 3% TO 3.5% EARLIER. ROE GUIDANCE CUT TO 9.5% TO 10% FROM 12% TO 14% EARLIER.
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