HDFC Bank FY23Q2 NR
- NP(cons): 11.1KCr YUP 22.3%
- Adv(cons): 15.2LCr ← 12.5LCr YUP 22.8%
———- Standalone Revenue ————–
- Core net Rev: 29KCr YUP 18% [excl T&M2M gain/losses]
- NII: 21KCr YUP 19%
- NIM(TA): 4.1% / NIM(IBA): 4.3% / TA – total assets IBA: Interest bearing assets
- Other Income: YUP 17% [excl T&M2M losses]
- Fees & commission: 5.8KCr
- Forex & Drv : 0.95KCr
- Investment gain/loss: -0.25KCr
- Misc(recoveries & div): 1.1KCr
———– Expense & Profit ————
- OpEx: 9.3KCr YUP 21%
- CIR: 39.2%
- PPOP: 17.4KCr [excl T&M2M loss] YUP 16.6%
- Provision & contingencies: 3.2KCr ← 3.9KCr (FY22/Q2)
- Total credit cost: 0.87% ← 1.3%
- PBT: 14.2KCr / Tax: 3.5KCr
- PAT: 10.6KCr YUP 20.1%
———– Liabilities ————–
- BS Size(T): 1.8LCr YUP 21%
- Deposits(T): 1.67LCr YUP: 19%
- CASA YUP 15.4% / SA: 5.3LCr / CA: 2.3LCr / TD: 9.1LCr YUP 22%
- CASA Ratio: 45.4%
———– Assets ——————
- Advances(T): 1.48LCr YUP 23%
incl IB participation certificates+bill discounting: YUP 25.8% - Domestic retail loan: YUP 21.4%
- commercial & rural banking loan: YUP 31.3%
- corporate & other wholesale loans: YUP 27.0%
- Overseas/Total Advance: YUP 3.1%
—– Branches & Employees ———
- Branches: 6.5K ← 5.7K
- ATM: 18.7K ← 16.6K
- CDM cities: 3.2K ← 2.9K
- #Employees: 1.6L ← 1.3L
—– Risk Profile ————-
- GNPA: 1.23% ← 1.35%
- NNPA: 0.33% ←
- CAR: 18% ← 20% / Reg.Req: 11.7%
T1 CAR: 17.1% ← 18.7%
——– HDFC Securities (HSL) [96% holding]
- Rev: 468Cr ← 489Cr
- PAT: 191Cr ← 240Cr
- #branches: 215 / #Cities: 147
———- HDB Financial Services (HDBFSL) – NBFC [95% holding]
- Rev: 2.2KCr ← 1.9KCr YUP 15%
- PAT: 471Cr ← 192Cr
- Loan Book(T): 63KCr
- S3 Loans: 4.9%
- CAR: 20.8% / T1 CAR: 16%
- #branches: 1.4K / #cities: 1K
Link to NR
YUP – YoY Growth
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