COVID uncertainty looming large, provisioning buffers are expected to rise supported by liquidity buffers on BS (Rs60bn). Against this backdrop, we prune down growth and tweak provisioning estimates higher. EPS estimates, therefore, stand trimmed by only 4% for FY21 as operating leverage plays out but FY22-23 estimates stand down by 7-12%. We, therefore, reiterate Accumulate rating, and rollover our target multiple to 2.1x as per Sep'22 PBV...