The cost-to-income rate has further improved to 46.02% in Q4FY2020 from 49.95% in the previous quarter and 47.15% in the corresponding quarter last year. However, the credit cost (NPA provisions as an annualized percentage of loans) jumped to 0.68% in Q4FY2020 from 0.47% in Q4FY2019 due to COVID 19 related provisions of Rs 660 crore. Further, the bank exhibited some moderation in loan growth to 7% at end March 2020. The business growth of the bank also eased to 12% at end March 2020....