HDFC Bank Ltd.
HDFC Bank House, Senapati Bapat Marg,
Lower Parel,Mumbai - 400 013.
CIN: L65920MH1994PLC080618
Q4 FY 2024-25 RESULTS
10.3%
6.7%
5.4%
Net Interest IncomeFees & Commission
|
₹ 320.7 bn |
₹ 290.8 bn |
₹ 85.3 bn |
₹ 79.9 bn |
|
Q4 24-25 |
Q4 23-24 |
Q4 24-25 |
Q4 23-24 |
|
Net Profit |
Total Deposits |
||
|
₹ 176.2 bn |
₹ 165.1 bn |
₹ 27,147 bn |
₹ 23,798 bn |
|
Q4 24-25 |
Q4 23-24 |
Q4 24-25 |
Q4 23-24 |
|
Total Advances |
Balance Sheet Size |
||
|
₹ 26,196 bn |
₹ 24,849 bn |
₹ 39,102 bn |
₹ 36,176 bn |
|
Q4 24-25 |
Q4 23-24 |
Q4 24-25 |
Q4 23-24 |
6.6%
14.1%
8.1%
|
Net |
Capital |
Gross |
CASA |
Total |
||||
|
Int Margin1 |
Adequacy |
NPA |
(proportion) |
Branches# |
||||
|
3.7% |
19.6% |
1.33% |
35% |
9,455 |
Loan MixBranch Mix
|
18% |
49% |
|
50% |
|
|
32% |
51% |
|
Retail CRB |
Corporate |
Metro & Urban |
Semi-urban & Rural |
|
#In addition, there are 15,399 banking correspondents.
1on Interest Earning Assets
HDFC Bank Limited Financial Results 2024-25
HDFC Bank Ltd.
HDFC Bank House, Senapati Bapat Marg,
Lower Parel,Mumbai - 400 013.
CIN: L65920MH1994PLC080618
PRODUCT-WISE ADVANCES
|
(₹ bn) |
|||
|
Mar-24 |
Dec-24 |
Mar-25 |
|
|
Retail Mortgages |
7,744 |
8,171 |
8,357 |
|
Personal Loans |
1,846 |
1,944 |
1,993 |
|
Auto |
1,311 |
1,399 |
1,457 |
|
Payment Business |
1,002 |
1,123 |
1,136 |
|
Two Wheelers |
118 |
122 |
124 |
|
Gold Loans |
138 |
167 |
177 |
|
Other Retail |
469 |
499 |
513 |
|
Retail Non-Mortgages |
4,883 |
5,254 |
5,401 |
|
Total Retail Advances |
12,627 |
13,425 |
13,758 |
|
Emerging Corporates |
2,134 |
2,192 |
2,252 |
|
Business Banking |
3,217 |
3,629 |
3,827 |
|
Commercial Transportation |
1,374 |
1,485 |
1,564 |
|
Other CRB |
244 |
226 |
222 |
|
CRB ex-Agri |
6,969 |
7,532 |
7,865 |
|
Agri |
1,053 |
1,076 |
1,184 |
|
CRB |
8,022 |
8,608 |
9,050 |
|
Corporate and other wholesale |
5,109 |
4,806 |
4,926 |
|
Advances under management |
25,758 |
26,839 |
27,733 |
|
IBPC/BRDS/Securitisation |
(680) |
(1,413) |
(1,298) |
|
Gross Advances |
25,078 |
25,426 |
26,435 |
Figures of the previous periods have been regrouped / reclassified wherever necessary to conform to current period's classification.
HDFC Bank Limited Financial Results 2024-25
HDFC Bank Ltd.
HDFC Bank House, Senapati Bapat Marg,
Lower Parel,Mumbai - 400 013.
CIN: L65920MH1994PLC080618
FINANCIAL METRICS
|
HDFC BANK |
31-Mar-24 31-Dec-24 31-Mar-25 |
||
|
Yield on assets (%) |
8.4 |
8.3 |
8.4 |
|
Cost of funds (incl. shareholders' funds) (%) |
4.9 |
4.9 |
4.9 |
|
Net Interest Margin - assets (%) |
3.4 |
3.4 |
3.5 |
|
Net Interest Margin - interest earning assets (%) |
3.6 |
3.6 |
3.7 |
|
NII as a % of net revenue |
73%* |
73% |
73% |
|
Wholesale fees as a % of fee income |
6% |
6% |
6% |
|
Retail fees as a % of fee income |
94% |
94% |
94% |
|
Retail liabilities fees as a % of fee income |
15% |
17% |
13% |
|
Third-party products related fees as a % of fee income |
26% |
24% |
28% |
|
Retail assets fees as a % of fee income |
19% |
17% |
18% |
|
Payments and cards business fees as a % of fee income |
34% |
36% |
35% |
|
Net revenue yield (%) |
4.7* |
4.7 |
4.9 |
|
Count of employees |
2,13,527 |
2,10,219 |
2,14,521 |
|
Credit costs as a % of advances |
0.42% |
0.50% |
0.48% |
|
Credit costs net of recoveries as a % of advances |
0.27% |
0.36% |
0.29% |
|
Growth in advances under management (YoY) ^ |
53.9% |
6.1% |
7.7% |
|
Retail advances |
104.6% |
10.0% |
9.0% |
|
CRB advances |
24.1% |
11.6% |
12.8% |
|
Corporate and other wholesale advances |
24.7% |
(10.4%) |
(3.6%) |
|
Growth in deposits (YoY) |
26.4% |
15.8% |
14.1% |
|
CASA deposits |
8.7% |
4.4% |
3.9% |
|
CA deposits |
13.4% |
4.4% |
1.3% |
|
SA deposits |
6.4% |
4.4% |
5.3% |
|
Term deposits |
40.4% |
22.7% |
20.3% |
|
CASA ratio |
38.2% |
34.0% |
34.8% |
|
Retail mix of deposits |
84% |
84% |
83% |
|
Total GNPA as a ratio of customer assets |
1.23% |
1.41% |
1.32% |
|
Total GNPA as a ratio of gross advances |
1.24% |
1.42% |
1.33% |
|
Retail advances |
0.79% |
0.83% |
0.80% |
|
CRB advances |
1.59% |
1.97% |
1.89% |
|
CRB advances (ex Agri) |
1.17% |
1.27% |
1.27% |
|
Total Corporate and other wholesale |
1.72% |
1.71% |
1.49% |
|
Total provisions as a % of advances |
2.43% |
2.39% |
2.29% |
|
Total provisions (ex. specific) as a % of advances |
1.51% |
1.43% |
1.39% |
|
Total provisions as a % of GNPA |
195% |
169% |
172% |
|
Specific PCR |
74% |
68% |
68% |
|
^ Gross of financing through IBPC/BRDS/Securitisation |
|||
|
* Net revenue excludes transactions gain of ₹ 73.4 bn |
Note:
- For Q4 FY24, Credit cost excludes floating provision of ₹ 109 bn
- Certain figures reported above will not add-up due to rounding
HDFC Limited merged with HDFC Bank effective July 1, 2023. Prior period numbers are not comparable. Figures of the previous periods have been regrouped / reclassified wherever necessary to conform to current period's classification.
HDFC Bank Limited Financial Results 2024-25
HDFC Bank Ltd.
HDFC Bank House, Senapati Bapat Marg,
Lower Parel,Mumbai - 400 013.
CIN: L65920MH1994PLC080618
FINANCIAL METRICS
|
HDB Financial Services |
31-Mar-24 |
31-Dec-24 |
31-Mar-25 |
|
Total advances (₹ bn) |
902 |
1,021 |
1,069 |
|
Enterprise Lending advances Mix % |
41% |
39% |
39% |
|
Asset Finance advances Mix % |
38% |
38% |
38% |
|
Consumer Finance advances Mix % |
21% |
23% |
23% |
|
Secured advances Mix % |
71% |
72% |
73% |
|
Net Interest Margin - assets (%) |
7.7 |
7.5 |
7.6 |
|
Credit Cost % of advances |
1.1 |
2.5 |
2.4 |
|
Gross Stage3 % as a ratio of gross advances |
1.90% |
2.25% |
2.26% |
|
Return on average assets % (annualised) |
3.0 |
1.8 |
2.0 |
|
Earnings Per Share (FTQ) |
8.3 |
5.9 |
6.7 |
|
Book Value Per Share (₹) |
173 |
193 |
199 |
HDFC Bank Limited Financial Results 2024-25
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Disclaimer
HDFC Bank Limited published this content on April 19, 2025, and is solely responsible for the information contained herein. Distributed via Public Technologies (PUBT), unedited and unaltered, on April 19, 2025 at 10:21 UTC.
