For SHTF, 4QFY18 was marked by better-than-expected AUM growth, margin expansion and high provisioning expenses. This biggest positive surprise in the quarter was AUM growth of 21% YoY -the highest in 18 quarters. Overloading ban in some markets, coupled with a pick-up in infra activities, led to strong AUM growth. Growth was broad-based, with 17% YoY growth in used CV loans and 37% YoY growth in new CV loans. Management guided for 18% YoY AUM growth inFY19.