NII declined 14%/8% QoQ/YoY, majorly due to interest income reversal of INR4.4b. This was partly offset by interest on IT refund of INR4.5b (booked in other income). Domestic/global NIM came in at 1.99%/1.9% (v/s 2.34%/2.23% in 3QFY18). Muted trading gains of INR1.3b (-77% YoY) led to just 3% growth in other income. Opex grew 5% YoY, taking the CI ratio to 48.6%. The bank up-fronted gratuity provisions in the quarter. Slippages came in at INR100.4b (INR41.9b in 3QFY18), with a spike in corporate slippages (INR7.9b v/s INR3.4b in 3Q). The bank reported FY17...