NII growth was decent at 12.6% YoY at | 17120 crore, as NIM declined 10 bps YoY due to excess liquidity. Other income was up 26% YoY, 2% QoQ to | 7593 crore on account of a steep rise in forex income and recoveries. C/I declined from 39.0% to 37.2% YoY but QoQ it was up 110 bps. Provisions stayed elevated at | 4693 crore, as bank parked | 1300 crore as contingent provision in Q4FY21. PAT increased 18.2% YoY to | 8186 crore but was slightly below our estimate due to higher provisions. GNPA ratio, on a reported basis jumped from 0.81% to 1.32% as standstill...