Chanda Kochhar, managing director (MD) and chief executive officer (CEO), ICICI Bank, told reporters after the bank's Q4 results that it expects domestic credit to grow by 16-17% in the year ahead. "This will be backed by retail growth about 20%," she added. However, Kochhar added that corporate loans had grown by 5% if one were to include non-performing assets (NPAs), restructured loans and the bank's drilldown list. Excluding these, corporate loans grew 17% in Q4. Rajkiran Rai G, MD & CEO, Union Bank of India, on Thursday said he expects a loan growth of 7-8% in FY19. "This is factoring in a resolution of at least Rs 10,000-15,000 crore of resolution this year. That much of de-growth will happen when these accounts settle. To that extent, we have to make up for that. That's why we have given a conservative estimate, even though we may grow close to 12-13%," he explained. Union Bank saw total advances grow 4% y-o-y in Q4.