Net income rose to $3.45 billion, or 86 cents per share, for the three months ended Dec. 31, the lender said on Friday. That compares with $3.16 billion, or 75 cents per share, a year earlier.

(Reporting by Noor Zainab Hussain and Manya Saini in Bengaluru and Carolina Mandl in New York; Editing by Arun Koyyur)