The rise in other income made up for the tepid growth in net interest income (NII) which is the main income the bank earns by giving loans. NII increased 2% to Rs 7566 crore largely as cost of deposits fell to 3.52% in September 2021 from 3.99% a year ago and covered up for a 6% fall in total interest earned.
source https://economictimes.indiatimes.com/industry/banking/finance/banking/bob-profit-up-bank-expects-to-keep-credit-costs-in-control/articleshow/87628512.cms
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