HDFC Bank, the largest lender in the country’s private sector, recorded an interannual increase of 6.7 percent in independent net gains at RS 17,616 million rupees for the fourth quarter of fiscal year 2015.
Bank’s net interest income (NII) for quarter increased 10.3 percent year -on -year at RS 32,070 million rupees. The net income for the January-March period stood at RS 44,090 million rupees, compared to RS 47,240 million rupees in the previous year.
The HDFC Bank Board has recommended a dividend of RS 22 for capital participation of the RS 1 nominal value for fiscal year 2015. The date of registration for the dividend is Friday, June 27, 2025.
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The quality of the asset improves sequentially
The unrealized gross active ratio (GNPA) improved 1.33 percent as of March 31, 2025, 1.42 percent in December 2024. However, it was greater than 1.24 percent reported in the same period last year. Only NPS stood at 0.43 percent, slightly lower than 0.46 percent in Q3Fy25 but greater than 0.33 percent a year ago.
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Other finances
Other income (income without interest) reached 12,030 million rupees, with revenues of rates and commissions at 8,530 million rupees, compared to RS 7,990 million rupees in the same quarter last year. The provisions and contingencies abruptly fell to RS 3,190 million rupees in the fourth quarter of RS 13,510 million rupees a year ago, which had included floating provisions of RS 10.9 billion rupees.
Average deposits grew 15.8 percent year -on -year at RS 25.28 Lakh Crore, while average house deposits increased 5.7 percent to RS 8.29 Lakh Crore. The gross advances were at RS 26.43 Lakh Crore as or March 31, 2025, 5.4 percent year -on -year, with advances abroad that represent 1.7 percent of the total.
The Bank’s capital adaptation ratio (CAR) improved to 19.6 percent from 18.8 percent a year ago.
HDFC Bank’s shares ended 1.5 percent higher at RS 1.906.55 in the EEB in the previous negotiation session.