Net interest income rose 20.0% YoY in Q2FY21, aided by NIM expansion (+185bps YoY) with higher interest income yield (+56bps YoY) and lower cost of funds (-96bps). Non-interest income was up 1.9% YoY. Pre-provision profit grew 37.1% YoY, further helped by lower opex (9.5% YoY). However, PAT fell 45.9%, impacted by higher provisioning. Overall cost to income ratio improved to 49.3% (-10.3bps YoY). Company added 688k new accounts during the quarter. Cards in force...