* We expect strong loan growth to continue, driven by retail home loans. We estimate 8% QoQ and 28% YoY loan growth.
* Margins are expected to remain largely stable. Net income should grow 27% YoY.
* Expenses are likely to grow 22% YoY, resulting in modest decline in cost-income ratio.
* Asset quality is expected to remain stable. In 3QFY17, GNPAs were at 0.85% and