Bank's PAT increased 22% YoY to | 154.8 crore vs. estimate of | 148 crore. This traction was led by 19% YoY pickup in NII & lower than expected provisions of | 85.7 crore. Operating earnings growth was restricted to 8.4% YoY to | 296 crore mainly owing to lower other income of | 122 crore (down 14.8% YoY). Treasury income dipped to | 34.4 crore vs. | 64.6 crore QoQ. Asset quality was steady with fresh slippages declining QoQ to | 132 crore. The 23 bps QoQ rise GNPA ratio to 3.3% seems higher as...