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For the year to December the group reported earnings of 32 rupees per share on total profits of 5.2 billion rupees, which rose 25 percent from a year earlier.
Fee income fell 24 percent to 958 million rupees with forex income falling to 4 million rupees from 400 million rupees a year earlier.
Interest income rose 59 percent to 6.1 billion rupees in the quarter from a year earlier, interest expenses rose at a faster 75 percent to 6.1 billion rupees, but the bank grew net interest income 36 percent to 3.4 billion rupees.
Loan loss provisions were a reversal of 108 million rupees, with 116 in new provisions and 197 million rupees in recoveries.
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There was also a 21 million rupee reversal for provisions made for falls in values of investments.
Update I .