Net interest income (NIM) was up 15.3% YoY to | 1960 crore despite | 55 crore worth interest on interest reversals. Net interest margins (NIM) were up 4 bps QoQ to 5.09%. The bank has reduced savings interest rate to 4% for deposits below | 1 lakh and peak rates of 5%, which should keep funding cost benign and, thus, aid margins. Other income was up 74% YoY mainly due to trading gains. Operating expense were up 11% QoQ to | 2156 crore. This rise can be attributed to increased business activity. Cost-to-income ratio (calculated) was up from 75.1% to 76.9% QoQ. Provisions during the...