HDFC Bank on Saturday reported a 20.3% year-on-year (y-o-y) growth in net profit for the March quarter of 2017-18 to Rs 4,799 crore on the back of higher net interest income (NII), coupled with a rise in other income. Its other income rose 22.7% y-o-y to Rs 4,229 crore in Q4. The bank\u2019s net interest income (NII) \u2014 the difference between interest earned and interest expended \u2014 rose 17.7% y-o-y to Rs 10,658 crore. The bank\u2019s provisions rose 22% y-o-y to Rs 1,541 crore in the March quarter. HDFC Bank\u2019s net interest margin \u2014 a key measure of profitability \u2014 in Q3 remained unchanged at 4.3% from the end of December 2017 and March 2017. Its asset quality remained stable with a 1 basis point (bps) rise in gross non-performing assets (NPAs) ratio \u2014 bad loans as a percentage of total loans \u2014 to 1.3% in Q4 FY18. However, on a y-o-y basis, the gross bad loan ratio rose 25 bps.