The bank has posted healthy 19% improvement in the Net Interest Income to Rs 6808 crore in Q4FY20 with healthy margins at 3.55%. The operating profit grew by 23% to Rs 23438 crore for FY20 with 16% growth in the NII to Rs 25206 crore. NIM for FY20 was 3.51%. The net profit was Rs 1627 crore for FY20. Adjusted for the one-offs, net profit for FY20 would have been Rs 5182 crore, showing an increase of 11%. On business front, the bank has recorded 19% growth in the deposits on quarterly average balance (QAB) basis, with 13% growth in saving deposits and 11% in current account deposits. Further, the Retail Term Deposits (RTD) were up 33% on QAB basis. CASA ratio was 39% on...