(162bps YoY) amidst shift in loan mix towards SME and 2W, while sequentially yields dropped 61bps on the back higher gold loan disbursements. Cost of funds increased (21bps YoY) on the back of increase in the share of retail funding (100bps YoY) to 31% where rates are sticky, while the share of bank borrowings and NCDs was noted at 53% and 9% respectively. Management hinted moderation in cost of funds in coming quarters on increased market borrowings. Asset Quality declined marginally to 2.89% as absolute GNPAs increased (29.7%YoY,...