seasonally strong quarter, while forex income nearly doubled to INR841m. However, growth in total income trailed that in opex (+13% YoY), leading to modest PPoP growth of 7% YoY. C/I ratio was at 46.6% (4QFY18: 45.3%). Loan book grew by 15.8% YoY to INR1.8t, while deposits increased 16.2% YoY to INR2.4t. The share of RAM advances stood at 58.1% (v/s 56.9% in 4Q FY18). CASA deposit growth stood at 9.2% YoY, leading to a marginal decline in the CASA ratio to 35.5% (v/s 35.7% in 3QFY19). Slippages moderated to INR10.1b (v/s INR17.5b in 3QFY19), while...