With IL&FS; pain now largely behind, momentum in balance sheet continued with a loan/ deposit growth of 29% driven by across segments. NII growth remained muted at 11% due to a one-off interest reversal, whereas, non-interest income came in strong at a 29% YoY growth. As guided by the bank earlier, it intended to start FY20 afresh, hence it recognized its entire IL&FS; exposure as NPA and provided heftily for the same. Following the blow, GNPA/NNPA detoriated to 2.1/1.2% by 97/62bps sequentially. Although the quarter took a one time hit and turned out to be a drag on the bottom-line, there are not many uncertainties left to cast a hang on the book in the new financial year. Its exposure to Zee, DHFL and ADAG along with a few others stands at...