Advances growth came in lower QoQ at 12.3% YoY at ~| 65027 crore, primarily led by moderation in disbursement outside J&K; state. Advances growth in J&K; continued to remain healthy at ~22% YoY Margins increased to 3.91% vs. 3.69% in Q2FY19 with strong NII growth of 13% YoY ahead of our estimates. Growth in other income came in healthy at 52% YoY to ~| 164 crore on the back of trading income, which supported topline. Therefore, PPP came in at | 425 crore, up 11% YoY and above our estimate of | 354 crore...