Oriental Bank of Commerce reported a 15.81% decline in net profit at Rs 128.15 crore for the third quarter ended December 31, 2004 as against Rs 152.22 crore in Q3FY04.According to a release issued to the BSE today, total income increased to Rs 1,062.68 crore from Rs 988.45 crore in the quarter ended December 31, 2003.