from Rs 246,157 crore, led by 17 per cent spike in retail advances to Rs 96,528 crore.
The net non-performing asset ratio at improved to 0.64 per cent from 0.70 per cent a year ago, while sequentially also it improved a bit from 0.66 per cent.
On the advances side, the growth was led by retail loan books, which grew 17 per cent, up from 15 per cent in Q2 and 10 per cent in Q1.
Home loans notched up 19 per cent growth while auto loans fared much better with a 25 per cent growth. Corporate loans grew 16 per cent.
Non-interest income rose 17 per cent to Rs 2,215 crore from Rs 1,892 crore and non-core income rose 37 per cent.
Other income came in at Rs 193 crore, mainly in the form of dividends from it subsidiaries with ICICI Pru Life chipping in with Rs 97 crore and ICICI Lombard giving Rs 95 crore.
During the quarter, the bank restructured Rs 350 crore worth loans, taking its total CDR book to Rs 4,169 crore.
The bank added 123 branches during the quarter taking its network to 2,895. It saw an additional Rs 850 crore worth loans turning bad, while it upgraded/recovered Rs 650 crore.
Provisions against bad loans rose marginally to Rs 369 crore as against Rs 341 crore a year back. However, the same came down in comparison to the September quarter when it had set aside Rs 508 crore.
Provision coverage ratio for the quarter stood at 77.7 per cent at the end of the December quarter.
During the reporting quarter, gross non-performing asset (NPAs) ratio improved from 3.54 per cent to 3.31 per cent, while net NPA ratio too improved a tad to 0.76 per cent, from 0.78 per cent.
Net restructured book remained at Rs 4,169 crore, little changed from the previous quarter, Kochhar said.
On the provisioning side, she said, "In the September quarter, provisions were up due to one single corporate account which we had provided for. Earlier, we had sold our credit exposure in Kingfisher airlines. Currently, we do not have any plan for selling our stressed loan portfolios."
She said the share