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2w ago

HDFC, ICICI, and YES Banks Report Strong Q4 FY25 Results with Profit Growth and Improved Asset Quality

India’s leading private sector banks exceeded analyst expectations in Q4 FY25, highlighting robust profits, stable margins, and enhanced asset quality amid recent RBI rate cuts.

Photo: IANS
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Overview

  • HDFC Bank reported a standalone net profit of Rs 17,616 crore, a 6.7% year-on-year increase, with net interest income rising 10.3% to Rs 32,066 crore.
  • ICICI Bank posted an 18% year-on-year profit increase to Rs 12,629.6 crore, driven by stable net interest margins and strong credit growth.
  • YES Bank recorded a 63.3% rise in net profit to Rs 738 crore, supported by a 5.7% growth in net interest income and improved asset quality metrics.
  • HDFC Bank recommended a Rs 22 per share dividend for FY25, while its gross NPA ratio declined to 1.33% and net NPA ratio stood at 0.43%.
  • The results reflect the banking sector's resilience, supported by RBI’s recent rate cuts and surplus liquidity, though analysts caution about potential margin pressures in the near term.