Total income increased to Rs 1,203.23 crore from Rs 1,086.45 crore in the same period a year ago. The bank’s net interest income during the quarter rose 2.2% on year to 4.27 bln rupees. Interest earned in the quarter was 10.61 bln rupees, compared with 9.67 bln rupees a year ago, and interest expended rose to 6.34 bln rupees from 5.49 bln rupees. Provision and contingencies for the quarter were 810 mln rupees, against 787.5 mln rupees a year ago, and 1.08 bln rupees a quarter ago. As on Dec 31, the bank’s capital adequacy ratio was at 15.41%.