NIMs remain priority: In Q4FY25, HDFCB’s NIMs surprised positively, inching up by ~11bps QoQ, supported by stable CoF, lower interest reversals and support from CRR cut in Dec’24.
What is covered in the Full Insight:
NIMs and Financial Performance Overview
Loan-to-Deposit Ratio Improvement
Asset Quality and RoA Optimization
Focus on Retail Deposits and Regulatory Compliance
Valuation, Outlook, and Recommendation
SUMMARY
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