NII rose 22.8% QoQ in Q3FY22, led by a 54bps QoQ expansion in NIM. Operating income rose 9.0% QoQ to Rs. 10,504cr; PAT down 2.0% QoQ owing to higher tax outgo and marginally higher provisions. With improved outlook of certain sectors such as infra (incl. telecom) and metal & mining industry, we expect further strengthening of bank's financials with gradual recovery expected in accounts marked as NPAs. Bank has reported steady improvements in its asset quality along with reduction in slippages. However, the NPA levels remain high....