30 July 2018 ICICI Bank Reported NIM for the quarter declined 5bp/8bp QoQ/YoY to 3.19%. Domestic margins declined 13bp QoQ to 3.54% while overseas NIMs increased to 0.30% (26bp QoQ). CASA growth of +16.1% YoY was driven by 17.4% YoY growth in SA deposits. Overall CASA ratio declined by 120bp QoQ to 50.5% while average CASA mix increased by 20bp QoQ to 46.1% Overall loan growth slowed down to 0.8% QoQ led by continued traction in retail loans. Domestic loans grew 15.1% YoY, while international loans were down 9.7% YoY.