ICICI Securities Ltd | Retail Equity Research PAT was up 9.7% YoY to | 405 crore, led by a better-than-expected operational performance (PPP up 37% YoY to | 1006 crore) NII growth was healthy at 18.3% YoY to | 1278 crore despite flat credit growth YoY to | 122563 crore. Margins improved 17 bps QoQ to 2.64%, the best number in the last several quarters. The margin increase was mainly led by a fall in cost of funds by 25 bps QoQ Other income also aided earnings as it grew 33.6% YoY to | 585...