Advances at INR 6,583 bn were up 18.7% yoy/4.3% qoq. NII grew by 18% yoy/3% qoq to INR 106.6 bn, slightly below past average yoy growth of 21% (over last 8 quarters). NIMs came in slightly below expectations core NIM at 4.3%. However, the management has guided for NIMs to stay within 4.1-4.4% range going forward. Non-interest income grew by 23% yoy/9% qoq to INR 42.3 bn, driven by third party products and card fee income. Operational efficiency was stable with C/I at 41%. PPOP at INR 88.4 bn was up 21% yoy/5% qoq. Asset quality was stable GNPA at 1.30% vs. 1.29% as of Q3FY18. Provisioning at INR 15.4 bn translated into credit costs of 60 bps. PAT grew to INR 48 bn, +20% yoy/3% qoq (ROE was 19.1%). Deposits grew 11% yoy to INR 3431 bn. CA growth was 3% yoy while SA grew by 16% yoy. CASA at 43.5% was down 40 bps qoq. The bank saw accelerated growth in term deposits (+33% yoy). Credit/deposit ratio was 83.5%, down from 90.3% as of Q3FY18....