10 October 2019 despite higher provisions of INR7.4b and mark down of DTAs. NII stood at INR29.1b (8% miss led by slower loan growth), while the margin improved 5bp QoQ to 4.1%. PPoP grew 32% YoY to INR26.2b (3% miss), while PBT increased 34.5% YoY to INR18.8b (6% miss). For 1HFY20, IIB reported PPoP/PAT grew by 34%/45% YoY to INR52.1b/INR28.3b. Other income grew 31% YoY to INR17.3b (in line), while core fees increased 21% YoY led by growth in loan processing fees and FX income. Loan growth moderated to 21% YoY led by slowdown in both corporate and consumer portfolios.