1、Q1FY25 EarningsJuly 20,2024PresentationHDFC Bank Presentation Q1 FY20252HDFC Limited merged with HDFC Bank effective July 1,2023.Prior period numbers are not comparable.Key performance metrics for Q1 FY25 Deposits average 1.00 tn in the quarter(4.6%);EOP(0.03%)Average CASA 0.26 tn(3.3%);EOP(5.0%)Ave

2、rage Time deposits 0.73 tn(5.2%);EOP(3.0%)Average advances under management 0.20 tn(0.8%);EOP(0.03%)Asset quality continues to remain stable;GNPA ratio at 1.33%;ex-agri at 1.16%PAT for the quarter 162 bn;RoA of 1.89%and RoE of 15.0%Consolidated EPS of 21.7 for the quarter Capital adequacy ratio is h

3、ealthy at 19.3%HDFC Bank Presentation Q1 FY20253HDFC Limited merged with HDFC Bank effective July 1,2023.Prior period numbers are not comparable.Key financial parameters for Q1 FY25Average deposits at 22,831 bn,4.6%QoQ;average CASA 36%Average advances under management at 25,327 bn,0.8%QoQNet interes

4、t margin of 3.47%Cost-to-income ratio of 41.0%Gross NPA at 1.33%,ex-agri1.16%Profit after tax of 162 bn,EPSfor the quarter 21.3Return on assets of 1.9%Capital adequacy ratio at 19.3%of which CET1 at 16.8%Standalone Indian GAAP figures(bn=Billion);=Rupees;based on total assetsSTANDALONEHDFC Bank Pres

5、entation Q1 FY20254HDFC Limited merged with HDFC Bank effective July 1,2023.Prior period numbers are not comparable.CONSOLIDATEDConsolidated income statementCertain figures reported above will not add-up due to rounding P&L(bn)Q1 FY24Q4 FY24Q1 FY25QoQYoYNet revenue350.6807.0724.2(10.3%)106.6%Operati

6、ng expenses151.8491.3465.5(5.3%)206.7%Provisions32.9138.131.4(77.3%)(4.6%)Profit before tax165.9177.6227.328.0%37.0%Consolidated profit123.7176.2164.7(6.5%)33.1%HDFC Bank Presentation Q1 FY20255HDFC Limited merged with HDFC Bank effective July 1,2023.Prior period numbers are not comparable.P&L(bn)Q1