Public sector lender Andhra Bank has reported a marginal increase of 4 per cent in net profit at Rs 316 crore for the second quarter ended September 30, 2011. A A Taj, ED of Andhra Bank, said total income grew to Rs 2,960.32 crore from Rs 2,732.23 crore. The bank’s operating profit rose 21.59 per cent and NII went up by 21.30 per cent.