HDFC银行（HDB）2025财年第四季度及全年投资者演示报告「NASDAQ」（英文版）（39页）.pdf

1、Classification-ConfidentialClassification-ConfidentialQ4FY25 EarningsApril 19,2025PresentationHDFC Bank Presentation Q4 FY20252Key performance metrics for Q4 FY25Deposits;average YoY 3.44 tn(15.8%);EOP YoY 3.35 tn(14.1%)Average deposits QoQ 0.75 tn(3.1%);EOP QoQ 1.51 tn(5.9%)Average CASA QoQ 0.11 tn

2、(1.4%);EOP QoQ 0.72 tn(8.2%)Average time deposits QoQ 0.64 tn(3.9%);EOP QoQ 0.79 tn(4.7%)AUM;average YoY 1.83 tn(7.3%);EOP YoY 1.97 tn(7.7%)Average AUM;QoQ 0.68 tn(2.6%);EOP QoQ 0.89 tn(3.3%)Asset quality continues to remain stable;GNPA ratio at 1.33%;ex-agri at 1.13%PAT for the quarter 176 bn;RoA o

3、f 1.94%and RoE of 14.4%Consolidated EPS of 24.6 for the quarterCapital adequacy ratio at 19.6%HDFC Bank Presentation Q4 FY20253Key financial parameters for Q4 FY25Average deposits at 25,280 bn,15.8%YoY;3.1%QoQAverage advances under management at 26,955 bn,7.3%YoY;2.6%QoQNet interest margin(NIM)of 3.

4、46%*Cost-to-income ratio of 39.8%Gross NPA at 1.33%,ex-agri1.13%Profit after tax of 176 bn,EPSfor the quarter 23.0Return on assets of 1.9%Capital adequacy ratio at 19.6%of which CET1 at 17.2%*excludes interest income of 7 bn on Income Tax refundStandalone Indian GAAP figures(bn=Billion);=Rupees;base

5、d on total assetsSTANDALONEHDFC Bank Presentation Q4 FY20254CONSOLIDATEDConsolidated income statementCertain figures reported above will not add-up due to rounding P&L(bn)Q4 FY24Q3 FY25Q4 FY25QoQYoYNet revenue807.0652.8732.812.3%(9.2%)Operating expenses491.3373.5439.017.5%(10.6%)Provisions138.139.63

6、8.1(3.9%)(72.4%)Profit before tax177.6239.7255.76.7%44.0%Consolidated profit176.2176.6188.46.7%6.9%HDFC Bank Presentation Q4 FY20255STANDALONEIncome statementCertain figures reported above will not add-up due to rounding P&L(bn)Q4 FY24Q3 FY25Q4 FY25QoQYoYNet interest income290.8306.5320.74.6%10.3%No