South Indian Bank today reported 22.38 per cent increase in net profit at Rs 93.38 crore in the second quarter ended September 30, helped by lower provisions for bad loans. The bank had clocked a net profit of Rs 76.30 crore during the same quarter in the previous fiscal. Total income of the private lender increased to Rs 1,526.19 crore during the quarter under review, up 8.55 per cent from Rs 1,405.95 crore a year ago, the bank said in a BSE filing. Bank's provisioning and contingencies were at Rs 67.47 crore in the second quarter of 2015-16 as against Rs 95.71 crore in the year-ago period. On the asset front, its net non-performing assets (NPAs) went up to 1.39 per cent during July-September as compared to 0.90 per cent year ago.