ICICI Bank posted mixed numbers for Q4FY20 in these tough times, wherein operating performance was largely in line, but large provisions (partly due to one large account and COVID-19) resulted in lower-than-expected PAT. Net Interest margin (NIM) improved to 3.87% levels and sequential improvement in asset quality was also positive, though elevated slippages were dampeners. Net interest income (NII) increased by 17% y-o-y to Rs. 8,927 crore and were in-line with expectations. Profit after tax (PAT), at Rs. 1,221 crore, declined by 70% q-o-q, but rose by 26% y-o-y (still below expectations). Provisions jumped to Rs 5967...