In Q3FY21, NII increased 10.8% YoY, 3.9% QoQ to | 3406 crore. Margins for the quarter declined a tad by 4 bps QoQ. Other income increased QoQ by 9.8% to | 1705 crore. This was mainly on account of 31% QoQ rise in core fee income. Operating expenses were under control. As a result, the costto-income ratio was down ~171 bps YoY to 41.8% but was up sequentially by ~41 bps, attributable to a rise in business activity. Provisions remained elevated at | 1854 crore but was down 5.6% QoQ. During the quarter, the bank made provisions worth | 1106 crore for Covid related stress. Overall, led by a sequential decline in provisions and pick-up in topline, the bank...