Net interest income (NII) rose 16.9% YoY in Q4FY21, aided by 3.4% YoY growth in interest income and 8.3% YoY decline in interest expenses. Pre provision profit improved 15.6% YoY to Rs. 8,540cr, benefitted by lower employee costs. Net profit jumped ~3x YoY to Rs. 4,403cr, primarily on lower provisions (-51.7% YoY). Outlook remains intact on the back of strong deposit growth, significant lower cost of deposit. Also, improved asset quality with strong liquidity position provide strong base for growth. Hence, we reiterate our BUY...