During the quarter, the bank reported higher provisions and contingencies at Rs 116.66 crore versus Rs 75.24 crore in the corresponding quarter in the year-ago period. The return on assets (RoA) for Q4FY23 stood at 1.45% while return on equity (ROE) at 17.48%. The gross NPA and net NPA for the reporting quarter were down at 2.36% and 0.69%, the company filing said.