ICICI Securities Ltd | Retail Equity Research NII increase of 22.7% YoY to | 2219 crore was a bit below estimates. This was mainly due to 10 bps QoQ decline in margins to 3.3%. The margin decline was on account of a QoQ rise in CoF The credit book continues to be largely driven by the corporate portfolio (led by low yield international business unit that increased 214% YoY from 8.8%), rose 52.3% YoY and currently forms 67.6% of the total book. Retail loans more than doubled in the last one year...