NII growth was healthy at 15.5% YoY, 8.7% QoQ to | 475 crore, mainly driven by margin expansion. NIMs jumped 21 bps YoY, 14 bps QoQ to 4.12%, led by a reduction in cost of funds and optimisation of credit deposit ratio. As a prudent measure, the bank had reversed interest on exposure of | 25 crore classified as SMA. Other income fell 13.2% YoY to | 169 crore, on account of YoY decline in treasury and fee income. Opex was flattish on a yearly basis while there was 7.6% rise QoQ and provisions remained elevated, up 12.7% QoQ, 64% YoY to | 177 crore. As a result, PAT showed...