Loan growth was higher at 12% YoY in Q3FY19 mainly led by 16% YoY growth in the domestic loans (92% of the total loan book). Within domestic credit, corporate advances grew by 21% YoY largely driven by the infrastructure sector (20% YoY). Retail segment continued exhibiting strong growth (18% YoY) led by robust growth in home loans (26.5% YoY). SME continued to grow at a slower pace of 8% YoY as the bank remained cautious in lending to SME after witnessing high levels of stress from this segment. Going forward, we expect advances to grow at a moderate...