RBI Annual Report 2019-2020

Current Context: The Reserve Bank of India has released RBI Annual Report 2019-2020.

As per the data in the report, total income in the year 2019-2020 has increased by 28.97%. In the year 2018-2019 total income was Rs 1,49,672 crore. And in 2019-2020, the total income is Rs 1,93,036 crore.
The expenditure decreased by 39.72%.
The gross non-performing ratio of the banking system has reduced to 9.1% when compared with March 2019 which was 11.2%.
The interest income of the bank increased by 44.62%.
Bank fraud cases increased to 74%. In 2019, the number of bank fraud cases increased to 6800 when compared to a number of bank fraud cases to be 5900 in 2018.
The contingency funds of RBI have reduced to Rs 1.96 lakh crore.
Static Part:

Question:

Q.1 As per RBI Annual Report 2019-2020, total income in the year 2019-2020 has increased by ____%.
a. 22.97%
b. 34.97%
c. 14.97%
d. 28.97%