DCB Bank (DCBB) reported a mixed 3QFY22 as the miss on operating performance was offset by lower provisions, resulting in in-line earnings. NIMs improved sharply by 24bp QoQ to 3.61%. On the business front, advances grew ~3% QoQ, while deposit growth was modest at 1.5% QoQ. GNPAs increased 4% QoQ, while net NPAs declined 1.5% QoQ, as slippage stood elevated at INR4.57b (INR4.17b in 2QFY22). The o/s restructured book stood at INR18.8b (6.8% of loans). Collection efficiency remained...