Overview
- HDFC Bank's Q4FY25 results showed 6.7% YoY profit growth, a 10.3% rise in net interest income, and a marginal core margin improvement to 3.54%.
- Asset quality remained robust with controlled slippages, a stable provision coverage ratio of 67.9%, and healthy provisions of Rs 25,900 crore.
- Brokerages including Jefferies, CLSA, and Macquarie reaffirmed Buy/Outperform ratings and raised 12-month price targets to Rs 2,195–2,340.
- HDFC Bank shares rose 1.94% on Monday to Rs 1,943.50, with ADRs gaining 4% in NYSE trading last week, reflecting investor confidence.
- Analysts highlighted the bank's deposit market share gains, improved loan-to-deposit ratio, and potential margin support from lower funding costs.