Stage 2+3 at 4.6% vs 6.0% (Q2FY22); auto, HLs in yellow but CE improves overlay up from Rs8.3bn to Rs10.8bn QoQ). Strong business momentum (loans grew 26% YoY/9% QoQ to Rs1813bn), continued benign funding costs CoF reduced to 6.72% in Q3FY22 vs 6.77% in Q2FY22) and stark improvement in asset quality (Stage 2+3 down to 4.6% from 6.0% in Q2FY22; nil impact of change in NPA recognition norms) drove the bottom-line....