We expect SBIN, ICICIBC, AXSB and KMB (already disclosed) to report higher deposit growth in 4Q and smaller banks such as DCBB, CUBK, KVB and FB to see muted deposit growth. IIB and RBK (as disclosed) have seen net deposit outflows in 4Q. 4Q was marked by events (YES+COVID-19) that are likely to have serious and lasting implications for the sector. In light of these developments, several banks released pro-forma unaudited financial information, giving investors a flavor of what to expect in 4Q