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The PAT stood above the ETNow poll, while the NII was reported in line with the same.
The bank’s net interest margin (NIM) for the quarter stood at 3.54% on total assets and 3.73% based on interest-earning assets. Excluding Rs 700 crore of interest on income tax refund, the core NIM was 3.46% on total assets and 3.65% on interest-earning assets.
The bank has also announced a dividend of Rs 22 per share for its shareholders.
AgenciesAdditionally, HDFC Bank’s net revenue for Q4FY25 stood at Rs 44,090 crore, compared to Rs 47,240 crore in Q4FY24. Other income (non-interest revenue) came in at Rs 12,030 crore, with fee and commission income contributing Rs 8,530 crore versus Rs 7,990 crore a year ago.
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Provisions and contingencies declined sharply to Rs 3,190 crore in Q4FY25 from Rs 13,510 crore in the same quarter last year, which had included floating provisions of Rs 10,900 crore.
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Average deposits for the quarter rose 15.8% YoY to Rs 25.28 lakh crore from Rs 21.83 lakh crore. Average CASA deposits stood at Rs 8.29 lakh crore, registering a growth of 5.7% in the year-ago quarter.
Gross advances for HDFC Bank, as of March 31, 2025, stood at Rs 26.43 lakh crore, marking a 5.4% YoY increase. Overseas advances comprised 1.7% of total advances. Meanwhile, the bank’s Capital Adequacy Ratio (CAR) stood at 19.6% as of March 31, 2025, up from 18.8% a year earlier.
On the asset quality front, gross non-performing assets (GNPAs) of the bank stood at 1.33% of gross advances as on March 31, 2025, compared to 1.24% a year earlier and 1.42% in the December 2024 quarter. Net NPAs were reported at 0.43% of net advances.
The share of HDFC Bank had ended 1.5% higher at Rs 1906.55 on the BSE in the previous trading session.
