HDFC Bank's Stellar Quarter: Profit Surges Beyond Expectations

India's largest private sector lender, HDFC Bank, has reported a forecast-beating quarterly profit for the fourth quarter of FY25, driven by higher interest income and improved asset quality. The bank's standalone net profit rose by 6.9 percent year-on-year to Rs 17,616 crore, surpassing analysts' expectations of Rs 17,072 crore.  

 

Net interest income (NII), a key indicator of a bank's profitability, increased by 10 percent year-on-year to Rs 32,066 crore. This growth was supported by robust deposit trends and stable net interest margins. The bank's gross non-performing assets ratio improved to 1.33 percent, down from 1.42 percent in the previous quarter, reflecting enhanced asset quality.  

 

HDFC Bank's management highlighted the strong performance of its deposit base, which grew by 14.1 percent year-on-year, and its CASA ratio, which improved to 34.8 percent. The bank also emphasized its focus on operational efficiency and strategic liability management to sustain growth momentum.  

 

Key aspects of HDFC Bank's Q4 performance:  

HDFC Bank's strong quarterly results underscore its resilience and ability to navigate challenging economic conditions, reinforcing its position as a leader in India's banking sector.  

 

Sources: CNBC TV18, Moneycontrol, NDTV Profit.