Total income of the lender came down to ₹4,112.32 crore in the latest quarter as against ₹4,841.37 crore in the same period of 2017-18, it said in a regulatory filing.
The bank said its provisioning for non-performing assets (NPAs) or bad loans was reduced to ₹842.28 crore for the latest quarter as against ₹2,494.71 crore in the same period a year ago.
However, the bank's assets worsened with gross NPAs growing to 17.36 per cent of gross advances as at December-end 2018, against 15.92 per cent by December 2017.
In value terms, gross NPAs were at ₹21,921.42 crore as against ₹21,817.96 crore earlier.
Net NPAs surged to 11.47 per cent ( ₹13,521.22 crore) from 10.73 per cent ( ₹13,853.90 crore).
The bank said it is maintaining higher provision in terms of NCLT (list 1 and 2 of RBI) and is holding a total provision of ₹6,412.45 crore against outstanding amount of ₹9,075.69 crore (or 70.66 per cent) on these accounts as on December 31, 2018.