Net interest income (NII) came in at | 3430 crore, up 16.7% YoY, on the back of an improvement of 300 bps YoY in margins at 4.69% (up 8 bps QoQ). Other income grew 36.3% YoY to | 1314 crore. Traction in core fee income remained slower at ~8% YoY. One-time charge of | 200 crore towards pension obligation has led CI ratio to inch up to 50.2%. Provision came in higher at | 444 crore i.e. ~20 bps of advances. Moderation in operating profit and higher-than-expected provision was partly offset by lower tax outgo...