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The bank reported standalone net profit of Rs 108.11 crore for the quarter ended December 31, 2021 as compared to Rs 110.70 crore in the same period last year, registering a year-on-year decline of 2.34 per cent. Interest income of the bank rose by 5.09 per cent at Rs 900.89 crore for the quarter ended December 31, 2021 as against Rs 857.23 crore in the corresponding period last year. During the October-December quarter, total income rose marginally by 3.14 per cent to Rs 1,035.01 crore from Rs 1,003.54 crore in the year ago period. Meanwhile, operating expenses increased by 11.23 per cent to Rs 810.30 crore from Rs 728.50 crore in the same period last year. Operating profit slipped 18.30 per cent to Rs 224.71 crore from Rs. 275.04 crore. Provisions and Contingencies slipped by 37.82 per cent at Rs 78.40 crore from Rs 126.09 crore a year ago. NII, the difference between interest earned on loans and interest paid on deposits, increased by 11.77 per cent at Rs 540.81 crore versus Rs 483.86 crore in the year ago period. Non-interest income dipped 8.33 per cent year-on-year to Rs 134.12 crore. On the asset side, gross non- performing assets (NPAs) fell to 0.05 per cent of the gross advances as at the end of December 31, 2021 from a level of 2.27 per cent year earlier. Its net NPAs or bad loans too declined to 0.03 per cent of net advances on December 31, 2021 from 0.67 per cent a year ago.