Net Interest Income (NII), interest income less interest expense, grew by 17.5% YoY in Q4FY19, supported by consistent 19.8% YoY growth in gross advances, with retail loan growth at 24% YoY. Total deposits increased 21% YoY, with CASA growth at 16% YoY, and CASA ratio marginally declined by 111bps YoY to 32.15%. Provisions reduced by 52.2% YoY aiding a PAT growth of 163.1% YoY while provision coverage ratio improved 296bps sequentially. With improvement in recovery and reduction in slippages, GNPA...