Total income during the quarter increased by 5.6% year-on-year (YoY) to Rs 4,834.01 crore. Net Interest Income (NII) improved by 15% to Rs 1,960 crore in Q4 FY21 from Rs 1,700 crore in Q4 FY20. Net Interest Margin (NIM) rose to 5.09% as on 31 March 2021 from 4.61% as on 31 March 2020. Pre-Provisioning Operating Profit (PPOP) declined by 18% to Rs 646 crore in the fourth quarter from Rs 787 crore in the same period last year. The provision for Q4 FY21 was at Rs 603 crore as compared to Rs 679 crore for Q4 FY20. In Q4 FY21, the bank released Rs 324 crore from provisions made for one Telecom Account based on mark to market value of the instruments and made additional provisions of Rs 375 crore for COVID-19 which is carried forward to the next financial year for the unprecedented situation arising due to COVID-19 second wave in India.