Q4FY20 Interest income grew 7.4% YoY to Rs. 2,637cr, primarily aided by 6.1% YoY growth in loans and advances. Resultantly, NII rose 2.8% YoY to Rs. 1,347cr, partly offset by higher interest expenses (+12.7% YoY). PAT fell 62.4% YoY, mainly impacted by higher provisioning. 534 branches in green and amber zones resumed operations in May post-lockdown since March. Given upside potential, we reiterate our BUY rating on the stock with a target price of Rs. 190 based on SOTP....