The growth in Advances along with stable asset quality will remain the key in the upcoming quarters. However, market environment still remains challenging. Hence, we retain our rating HOLD rating on the stock with a revised price target of Rs. 54 based on 0.4x FY22E BVPS. Negative bottom line due to higher provisioning In Q4FY20, Bank's Interest income stood at Rs. 10,528cr (-2.6% YoY), owing to contraction of 9bps and 70bps on yields of advances and investments, respectively. Net interest income slid down by 6.2% YoY to Rs. 3,793cr with NIM tightening 3bps YoY at...