Mumbai, Oct. 17 -- PAT excluding treasury trading gains grew about 12.6% YoY, as treasury trading gains fell 67.4% to Rs 780 crore from Rs 2,390 crore a year ago.

Standalone net interest income increased 9.7% YoY to Rs 34,620 crore, while net revenue stood at Rs 48,450 crore, compared with Rs 45,900 crore a year ago.

The bank's net interest margin stood at 3.16% on total assets and 3.32% on interest-earning assets. Its cost-to-income ratio was 39.1%.

Interest earned rose 8.8% to Rs 83,426.60 crore, while other income fell 3.6% to Rs 13,831.02 crore. Within other income, fees and commissions rose to Rs 9,690 crore from Rs 8,840 crore, and foreign exchange and derivatives revenue was Rs 1,550 crore against Rs 1,590 crore.

Profit before ...