IndusInd Bank's (IIB) 3QFY18 PAT grew 25% YoY (in-line) to INR9.4b. NII grew 20% YoY, l ed by robust advances growth of 25% YoY, even as calculated NIM shrunk 15bp YoY (reported NIM was flat YoY at 3.99%).Total income grew 18.7% YoY due to relatively low other income growth, as treasury gains were muted with increasing yields. However, controlled opex growth of 15% YoY (CI ratio declined 150bp YoY to 46%) led to PPoP growth of 2%/22% QoQ/YoY.Robust advances growth (25% YoY) was driven by 26% YoY corporate book growth; retail book grew 24% YoY, led by healthy growth in tractors (+42%YoY), credit cards (+55% YoY) and equipment finance (+29% YoY). Retail book stood at 41.3% of advances