12.6% on account of high discounting and ramped up marketing activities to win market share. Staff cost came in high at 8% from 7.6% but came down sequentially by 40 bps. Other income came lower by 30% yoy, while tax rate came in at 29.5% in line with the standard tax rate. Adjusted net profits were down by 15% to Rs2.87 bn, while reported PAT came in at Rs2.9bn which included exchange gains of Rs66 mn....