| Margins | Margins currently at 3.4%; cost of funds benefit expected ahead. |
|---|---|
| Demand visibility | Healthy credit demand seen in the system currently. |
| Management confidence | High; confident in long-term profit outgrowing balance sheet. |
Growth
MSME grew 22.3% YoY. Corporate/wholesale segment grew ~18%. Reported PAT growth at 5% (9.8% adjusted).
Outlook
Targeting pre-merger CASA ratios (~38%); focus on FCNR mobilization and ECL transition by April 2027.
Risks
Intense corporate competition thinning spreads; non-retail deposit rates remain elevated; weather disruptions like El Niño.
Last quarter's promises, checked
Delivered
- Guided deposit growth faster than credit → delivered 14.4% vs 12% (= BEAT)
- Guided cost-to-income decline → delivered 40.5% to 39.5% (= BEAT)
- Targeted 110-120% LCR range → delivered 114% (= BEAT)
Partly delivered
- Targeted above-sector growth → delivered 12% vs system ~13.5-13.9% (= PARTIAL)
Missed
- Guided system credit growth 10.5-11.5% → delivered 12% (= MISS)
Investor Presentation filed with NSE, NSE: HDFCBANK. Summary written with AI assistance from the document.
HDFC Bank Ltd: key numbers
- Share price
- ₹735.60
- Market cap
- ₹11,34,052 Cr
- Revenue (annual)
- ₹3,48,615 Cr
- Net profit (annual)
- ₹76,026 Cr
- P/E (TTM)
- 14.3×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 41.82%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from HDFC Bank Ltd
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- Value
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- Value
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- Value
- ₹531.2 Cr
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HDFC Bank confirmed the redemption of Rs. 6,700 Crore NCDs and interest payment of Rs. 531.19 Crore for ISIN INE040A08369.
- Value
- ₹7,231 Cr