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Jun 30
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HDFC Q1 2025 Earnings Report
HDFC Bank reported solid results in Q1 FY2025 with strong net income and healthy asset quality metrics.
Key Takeaways
HDFC Bank delivered robust financials for Q1 FY2025, posting ₹18,155.21 Cr in net income and a 0.48% ROA. Strong revenue generation, a healthy capital position, and dividend declaration further underscored the bank’s financial stability.
Net Income for the quarter was ₹18,155.21 Cr.
Earnings per ADS were $0.283 for the quarter.
Gross Revenue stood at ₹99,200 Cr.
The bank declared a ₹5 dividend per share before the 1:1 bonus issue.
HDFC
HDFC
HDFC Revenue by Segment
HDFC Revenue by Geographic Location
Revenue by Segment
Retail Banking Revenue
CapyFin.comWholesale Banking Revenue
CapyFin.comTreasury Revenue
CapyFin.comOthers Revenue
CapyFin.comRevenue by Geographic Location
India Revenue
CapyFin.com Forward Guidance
HDFC Bank remains focused on profitable growth, maintaining asset quality, and investing in digital transformation.
Positive Outlook
- Continued strength in retail and wholesale banking revenue
- Healthy capital adequacy position
- Strong deposit franchise and CASA growth
- Focus on operational efficiency and productivity
- Positive outlook on economic activity and credit growth
Challenges Ahead
- Pressure from rising interest rates on borrowing costs
- Increased credit costs in some segments
- Potential macroeconomic headwinds in global markets
- Competitive pressures in retail lending
- Cost-to-income ratio slightly elevated due to investments