Similar to peers' overall collection efficiency has been at 97% in Oct'20 SBI reported a strong earnings of Rs45.7bn (PLe: 37bn) as it chose to make lower provisioning on lesser slippages of Rs28bn and adequate PCR of 70% & COVID provisions. NII growth of 15% YoY was very much in-line as margins saw slight bump-up of 11bps QoQ, while lower other income offset PPOP trajectory. Bank management is optimistic to end with a stress book of...