Operational performance came in healthy at 30% YoY to | 783 crore, led by higher other income at | 392 crore (~45% YoY). However, NII growth came in at 18% YoY to | 1154 crore, lower compared to our estimate. Margins improved 3 bps excluding one off of 5 bps in margins in Q4FY19. As of Q1FY20, margins were at 3.15%. Led by higher slippages in the quarter, provisions increased 8% QoQ, to | 192 crore, while stable YoY. Accordingly, PAT was at | 384 crore, up 46% YoY, largely in line with our estimates. Advance growth came in lower at ~19% YoY to | 113717 crore. However,...