HDFC Bank Q4 Results Live Update: Bank Remains Competitively Priced In Savings Deposits Rate Among Peers
HDFC Bank remains competitively priced in the savings deposits rate among peers, according to CFO Srinivasan Vaidyanathan.
"Inventory levels in middle and lower mortgage segment has come down," he further said. "Competition in pricing intensive in premium mortgage segment."
HDFC Bank kept margin in stable band when cost of funds was up, said the CFO.
HDFC Bank Q4 Results Live Update: Loan Growth To Be At Similar Rate As In Past 2-3 Years
We will continue to increase loan growth at the market rate in FY26, said Srinivasan Vaidyanathan, CFO, HDFC Bank.
"Loan growth to be at a similar rate that was there in the past 2-3 years," Vaidyanathan further noted. "Opportunity for retail loan growth is high due to low penetration in India," he said.
HDFC Bank Q4 Results Live Update: Bank Targets CD Ratio Similar To Pre-Merger Level Of Around 85-90% By FY27
"HDFC Bank aims to achieve a credit-to-deposit ratio similar to the pre-merger level of around 85-90% by fiscal 2026-27," according to CFO Srinivasan Vaidyanathan.
HDFC Bank Q4 Results Live Update: NIM Range Has Been 3.6-3.7% On Total Asset Basis
"As liquidity, economic activity improves, we are well placed to grow loans, deposits," said Srinivasan Vaidyanathan, CFO, HDFC Bank. "Since the merger of HDFC-HDFC Bank, NIM range has been 3.6-3.7% on total asset basis," he said.
The HDFC Bank's CFO highlighted that adding more customer relationships, distribution strength aided to deposit growth. "We continue to gain leading market share in deposits," he said.
HDFC Bank Q4 Results Live Update: CD Ratio At 96.5% Compared To Over 100% Last Year
Credit deposit ratio at 96.5% compared to over 100% last year, said Srinivasan Vaidyanathan, CFO, HDFC Bank during a conference call on Saturday.
"Corporates taking a wait and watch mode amid geopolitical headwinds," he further noted.
ICICI Bank Q4 Results Live Update: Full Transmission Of Lending Rate Cuts Will Happen In 3-6 Months
Full transmission of lending rate cuts will happen in 3-6 months said Sandeep Batra, ED, ICICI Bank during a conference call on Saturday.
Batra further noted that its difficult to assess the overall impact of trade war. "We will continue to support our customers," he said.
"Both government and RBI are taking proactive steps to mitigate the challenging environment. Corporate India will respond appropriately," he said.
ICICI Bank Q4 Results Live Update: CASA Has Grown By About 10% In FY25
Sandeep Batra, ED, ICICI Bank noted that, the bank has seen healthy growth in deposits. "CASA has grown by about 10% in FY25," said Batra.
"The focus is to grow overall quantum and manage cost of deposits. We are comfortable with our deposits and want to be the primary banker to our customers," he said.
ICICI Bank Q4 Results Live Update: Personal Loans Are 16.9%
"Personal loans are 16.9% and credit cards 8% of retail book. Of the total loan book, personal loans are 13%, while credit cards are 4%," said Sandeep Batra, ED, ICICI Bank.
Batra highlighted that the bank does not have a target on unsecured loans. "Happy to lend to these segments, if they meet our underwriting standards," he said.
"Not focused on any particular segment or product," said Batra. He further noted that we will continuously monitor these portfolios and identify any early stress.
ICICI Bank Q4 Results Live Update: We Are Confident Of The Book We Have Built, Said Sandeep Batra
Responding to global uncertainties due to tariff situations, Sandeep Batra, ED, ICICI Bank noted that, "We will closely watch global developments on corporate book."
"We are confident of the book we have built. We may even find some opportunities in these times," Batra said.
ICICI Bank Q4 Results Live Update: CRR Reduction In Q3 Aided NIM Growth
CRR reduction in Q3, some interest in tax refunds, aided NIM growth, said Sandeep Batra, ED, ICICI Bank. "In the near term will follow what happens to banking system on NIM," he said.
"These NIMs will get impacted due to recent repo rate cut," Batra said.
ICICI Bank Q4 Results Live Update: Deposits Rose 14% Year-On-Year To Rs 16.1 Lakh Crore
"Deposits rose 14% year-on-year to Rs 16.1 lakh crore. While, total domestic loans rose 14% to Rs 13.1 lakh crore," said Sandeep Batra, ED, ICICI Bank during a conference call on Saturday.
"Over 78% of corporate loan book rated A- or above," he said.
ICICI Bank Q4 Results Live Update: Board Approves Sale Of Entire 18.8% Stake In NIIT-IFBI
ICICI Bank's board has approved sale of entire 18.8% stake in NIIT-IFBI.
NIIT-IFBI is an associate of the bank, stake to be sold to a listed entity outside of ICICI Group.
ICICI Bank Q4 Results Live Update: Bank holds Rs 1,605 Crore In Security Receipts In Loan Sold
In the loan sold, ICICI Bank holds Rs 1,605 crore in security receipts. It holds 100% provisions against these receipts.
"Provisions held despite government guarantee against these receipts. Provisions to be written back after redemption of these security receipts," as per the company.
ICICI Bank Q4 Results Live Update: Loans Worth Rs 2,118 Crore Written Off
Gross non -performing assets additions in fourth quarter amounted to Rs 5,142 crore, compared to Rs 6,085 crore in third quarter.
The lender wrote off loan's worth of Rs 2,118 crore in the quarter ended March of fiscal 2025 while in the same quarter, it sold loans worth Rs 2,786 crore.
ICICI Bank Q4 Results Live Update: Announces Dividend Of Rs 11 Per Share
The lender declared dividend of Rs 11 per share at a of face value of 2 each, subject to requisite approvals.
ICICI Bank Q4 Results Live Update: Operating Profit Surges 17.5%
Operating profit increased by 17.5% to Rs 17,664 crore year on year compared to Rs 15,039 crore.
Provisions rose to Rs 891 crore, reflecting a 24% year-on-year rise, up from Rs 718 crore.
Operating Profit up 17.5% at Rs 17,664 crore versus Rs 15,039 crore (YoY)
Provisions up 24% at Rs 891 crore versus Rs 718 crore (YoY)
ICICI Bank Q4 Results Live Update: Net Profit Up 18%
ICICI Bank's net profit grew by 18% to Rs 12,630 crore year on year compared to Rs 10,708 crore for the same period last year.
Net interest income rose 11% over the year to Rs 21,193 crore.
HDFC Bank Q4 Results Live Update: Advances Rises 5.4% YoY, Deposits Up
The deposits at the bank surged by 14% to Rs 27.14 lakh crore year on year for the quarter ended March 31, 2025.
Its core net interest margin on total assets were recorded at 3.46% from 3.43% on sequential basis.
Core NIM on total assets at 3.46% versus 3.43% (QoQ)
Advances at Rs 26.43 lakh crore, up 5.4% (YoY)
Deposits at Rs 27.14 lakh crore, up 14% (YoY)
HDFC Bank Q4 Results Live Update: Net NPA Falls 0.43%
Provisions and contingencies at the bank plunged Rs 3,193.05 crore, reflecting 76% fall year over year.
The bank's gross non-performing assets ratio stood at 1.33% as quarter ended March compared to 1.42% on sequential basis.
The net NPA ratio fell to 0.43% from 0.46% in the previous quarter.
HDFC Bank Q4 Results Live Update: Announces Dividend Of Rs 22 Per Share
The board of HDFC Bank declared dividend of Rs 22 per share for financial year 2024-25.
The record date for deciding the shareholders eligible for the same is set as June 27, 2025.
HDFC Bank Q4 Results Live Update: Operating Profit Slips By 9.4%
India's largest private lender reported a 9.4% decline in operating profit to Rs 26,537 crore for the fourth quarter of fiscal 2025 as compared to Rs 29,274 crore for the same period last year.
Provisions of the bank slipped to 3,193 crore, denoting 76.4% fall for the January- March period as against Rs 13,511 crore for the year ago period.
Operating profit down 9.4% at Rs 26,537 crore versus Rs 29,274 crore (YoY)
Provisions down 76.4% at Rs 3,193 crore versus Rs 13,511 crore (YoY)
HDFC Bank Q4 Results Live Update: Net Profit Rises By 7%
HDFC Bank Ltd. reported nearly a 7% rise in its net profit to Rs 17,616 crore year-on-year for the quarter ended March.
Net interest income of the bank rose to 32,066 crore, reflecting 10% on year.
ICICI Bank Q4 Results Preview: Profit After Tax Likely To Surge YoY
The lender expects provisions to increase significantly to Rs 1,987 crore, a 177% surge year on year.
Profit after tax forecast to Rs 11,652 crore, denoting a 9% growth year on year.
Return on assets might experience a minor dip, standing at 2.34% compared to 2.36%, down by 2 basis points quarter on quarter.
Yes Bank Q4 Results Live Update: Bank To Lower Savings Account Deposit Rates To 5%
Prashant Kumar said that the bank will lower its savings account deposit rates to 5% from 7% on deposits worth under Rs 50 lakh effective from April 21.
Deposits up to Rs 10 lakh, the rate will be 3%, while deposits between Rs 10-15 lakh will receive interest rate of 3.5%.
Source: Co Call
Yes Bank Q4 Results Live Update: Loan Growth Of 12-15% For FY26
The management targets a loan growth of 12-15% for fiscal year 2026 and would like to see deposit growth slightly higher than loans.
Source: Co Call
Yes Bank Q4 Results Live Update: Records Best Asset Quality Since 2020
Prashant Kumar highlighted the bank's continued efforts to bring down its cost to income ratio.
The lender reported its best asset quality since the March 2020 quarter, with strong resolution momentum and recoveries exceeding the target of Rs 5,000 crore, the management said.
Source: Co Call
Yes Bank Q4 Results Live Update: Prashant Kumar Says Full Compliance In Priority Sector Lending
The bank has achieved 100% compliance in priority sector lending across all sub-sectors, said Prashant Kumar, managing director and chief executive officer of Yes Bank.
It also witnessed consistent growth in organic PSL and remains on track to reduce its rural infrastructure development fund deposit balances, he added.
Source: Co Call
ICICI Bank Q4 Results Preview: NII Likely To Rise By 9% YoY
ICICI Bank Ltd. expects a rise in its the net interest income to Rs 20,722 crore, denoting a 9% increase year-on-year and a 2% growth quarter-on-quarter.
Operating profit might also witness an improvement, reaching Rs 16,909 crore, up by 10% year on year and 2% on sequential basis.
Yes Bank Q4 Results Live Update: CASA Ratio Stood At 34.3%
The bank's CASA ratio improved to 34.3% for the quarter under review of fiscal 2025 as compared to 30.9% in the same period last year and 33.1% on sequential basis.
Yes Bank Q4 Results Live Update: Deposits Rises By 7%, NIM Improves
Net Advances of the lender grew by 8.1% year-on-year, reaching Rs 2.46 lakh crore, while deposits increased by 7% year-on-year to Rs 2.84 lakh crore.
Additionally, the net interest margin improved by 10 basis points quarter-on-quarter, standing at 2.5%.
Yes Bank Q4 Results Live Update: Bank's Provisions Drop 32% YoY
Provisions and contingencies of the lender dipped over 32% on year and 23% on quarter to Rs 318.07 crore.
A rise in other income also aided the bank's profit after tax. It soared 11% on the year to Rs 1,739 crore.
Yes Bank Q4 Results Live Update: Operating Profit Soars
The lender's operating profits surged by 45.6% to Rs 1,314 crore on year-on-year basis as compared to Rs 902 crore for the same period last year.
Operating profit up 45.6% at Rs 1,314 crore versus Rs 902 crore (YoY)
Yes Bank Q4 Results Live Update: Gross NPA Unchanged, Net NPA Falls
The gross non-performing assets ratio of the lender remained unchanged at 1.6% on a sequential basis. Net NPA slipped to 0.3% from 0.5% in the previous quarter.
Gross NPA flat at 1.6% (QoQ)
Net NPA at 0.3% versus 0.5% (QoQ)
Q4 Results Live Update: Yes Bank's Profit Rises 63% YoY
Net profit up 63% to Rs 73,812.00 crore versus Rs 45,189.00 crore (YoY)
Net interest income up 5.7% at Rs 2,276 crore versus Rs 2,153 crore (YoY)
HDFC Bank Q4 Results Preview: CASA Deposits May Grow By 3.93% YoY
HDFC Bank's CASA deposits might see a rise to Rs 9.44 lakh crore, up 3.93% year on year and 8.23% quarter on quarter.
Its CASA ratio stood at 34.79%, fall of 3.39% year on year but an improvement of 0.76% quarter on quarter.
HDFC Bank Q4 Results Preview: Deposits May Soar By 14.1%, Advances Show Growth
HDFC Bank predicts an advances growth to Rs 26.43 lakh crore, denoting a 5.4% rise year-on-year and a 4% increase quarter on quarter.
Deposits might expand to Rs 27.14 lakh crore, marking 14.1% surge year on year and a 5.9% rise quarter on quarter.
HDFC Bank Q4 Results Preview: Gross NPA Might Fall To 1.39%
In terms of asset quality, HDFC Bank expects the gross non-performing assets ratio to improve, falling to 1.39% from 1.42% quarter-on-quarter.
Similarly, its net NPA ratio might decrease to 0.45% from 0.46%, down by 1 basis point quarter on quarter.
HDFC Bank Q4 Results Preview: Net Interest Income May Rise By 8% Year-on-Year
HDFC Bank Ltd. expects to post a net interest income of Rs 31,297 crore compared to Rs 29,077 crore year-over-year, marking an 8% growth year-on-year and a 2% rise quarter-over-quarter.
Operating profit, may however, decrease by 11% year-on-year, falling from Rs 29,274 crore to Rs 25,918 crore.
The lender's provisions expect to surge by 24% YoY, reaching Rs 3,241 crore from Rs 2,611 crore, and rose by 3% QoQ.
Profit after tax is forecast to increase by 3% year-on-year, rising from Rs 16,511 crore to Rs 17,021 crore.
Yes Bank Q4 Results Live Updates: Recap Of Q3
Yes Bank's net profit doubled to Rs 612 crore, marking a 11% rise sequentially for the third quarter of fiscal 2025.
The bank's net interest income rose by 10% to Rs 2,223 crore year-on-year. Its asset quality remained stable, with gross non-performing assets stable at 1.6% quarter-on-quarter. Net NPA stayed at 0.5%, improving from 0.9% a year ago.
ICICI Bank Q4 Results Live Updates: Recap Of Q3
ICICI Bank Ltd.'s net profit surged to Rs 11,792.42 crore, representing a 14.8% rise year-on-year for the third quarter of fiscal 2025.
Its net interest income rose by 9.1% to Rs 20,371 crore for the October-December quarter of the financial year 2024-25.
Its total income increased by 13% to Rs 48,367.87 crore for the quarter ended December compared to the same period last year, while the net interest margin declined to 4.25% from 4.43% year-on-year.
HDFC Bank Q4 Results Live Updates: Recap Of Q3
HDFC Bank recorded a 2.2% rise in its net profit year-on-year to Rs 16,736 crore. The gain was supported by a 25% drop in bad-loan provisions, which stood at Rs 3,153 crore.
The lender's net interest income increased nearly by 8% to Rs 30,650 crore for the quarter ended December 31, 2024. Its core net interest margin stood at 3.43%, slightly lower than the previous quarter’s 3.46%.
Q4 Results Live Updates: Three Banks To Announce Thier Earnings Today
HDFC Bank Ltd. and ICICI Bank Ltd., both part of the Nifty 50, along with Yes Bank Ltd., will announce their earnings on Saturday for the quarter and financial year ending March 31, 2025.
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