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HDFC Bank Q4 Results Review: Net Interest Margins Remain Range Bound, Says IDBI Capital, Maintaining 'Buy'
IDBI Capital remains structurally positive on HDFC Bank given its superior credit underwriting, and the ability to maintain stable RoA around 1.8% post-merger.
21 Apr 2025, 06:15 AM IST 
ICICI Bank's cost to income ratio improved to 40% QoQ. Asset quality improved slightly with GNPA at 1.33% vs 1.42% QoQ led by lower slippages due to seasonality. (Photo source: Vijay Sartape/ NDTV Profit)
Post merger, focus has been to reduce the credit-deposit ratio to pre-merger average which resulted in credit slowdown to the lowest in history. Also, net interst margins have declined due to higher borrowings on the books. IDBI Capital remains structurally positive on HDFC Bank given its superior credit underwriting, and the ability to maintain stable RoA around 1.8% post-merger.
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