ICICI Securities Ltd | Retail Equity Research PAT came in at | 528 crore vs. loss of ~| 3100 crore in Q4FY18. This was mainly led by strong NII growth of 28.7% YoY to | 4381 crore and lower credit cost of | 2166 crore. Such strong traction in NII was also due to interest reversals and, thus, may not sustain ahead Loans increased 9.77% YoY to | 414517 crore led by domestic loans, which increased 19.84% YoY to | 326400 crore. Contribution of overseas business came down to 20.89% from 22.33% last quarter...