Growth momentum continues to be robust along with higher opex for customer acquisition and investment in tech. KMB's Q3 earnings of Rs21.31bn (PLe: R20.46bn) were marginally higher along with decent NII growth of 12% YoY & provision write back, while other income saw a minor blip due to MTM Provisioning on investment and higher other opex growth. Tailwinds from lower cost of funds continue, while loan...