HDFC Bank Ltd (HDB) Q2 2025 Earnings Conference Call Transcript Summary
HDFC Bank Ltd (HDB) Q2 2025 Earnings Conference Call Transcript Summary
Net Interest The following is a summary of the HDFC Bank Ltd (HDB) Q2 2025 Earnings Conference Call Transcript:
以下是hdfc銀行有限公司(HDB)2025年第二季度業績會議電話交易摘要：
Financial Performance:
金融業績：
HDFC Bank reported a profit after tax of INR 16,800 crores, an adjusted growth of about 17% year-on-year.
Average assets under management grew by about 10.2% year-on-year.
Net Interest Margin (NIM) was stable within the range of 3.45% to 3.5%, reported at 3.46%.
Gross Non-Performing Assets (NPA) remained stable at about 1.4%.
Deposit growth was robust at around 15% year-on-year, with the retail branch contributing substantially (84% of total deposits).
hdfc銀行報告稅後利潤爲1680億盧比，調整增長約爲17%同比增長。
資產管理平均規模同比增長約爲10.2%。
淨利息收益率(NIM)在3.45%到3.5%的區間內保持穩定，報告爲3.46%。
總不良資產(NPA)維持在約1.4%的穩定水平。
存款增長強勁，同比增長約15%，零售業務部門貢獻巨大(佔總存款的84%)。
Business Progress:
業務進展：
HDFC Bank focuses on accelerating the normalization of the Loan to Deposit Ratio (LDR), moving towards more sustainable levels more quickly than previously anticipated.
The bank is continuing its branch expansion to enhance customer reach and density.
There's a heightened focus on priority sector lending, particularly targeting small and marginal farmers and weaker sections, to meet organic growth targets.
hdfc銀行着重加快貸款存款比（LDR）的正常化進程，比先前預期的速度更快地達到更可持續的水平。
銀行繼續擴大分行網絡，以增加客戶覆蓋範圍和密度。
特別關注優先領域貸款，特別是針對小農和弱勢群體，以滿足有機增長目標。
Opportunities:
機會：
HDFC Bank sees an opportunity to capitalize on stable asset quality and regulatory environment to position itself for potential market shifts in credit demand over the next 2-3 years.
hdfc銀行看到利用穩定的資產質量和監管環境的機會，爲未來2-3年潛在的信貸需求市場轉變做準備。
Risks:
風險：
Continued elevation in deposit rates poses a risk by potentially pressurizing net interest margins if the rate environment remains aggressive.
如果利率環境保持強勁，持續提高存款利率可能會對淨利息收益率產生壓力，存在風險。
Tips: This article is generated by AI. The accuracy of the content can not be fully guaranteed. For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：本文由AI生成。文章內容的準確性無法完全保證。有關更全面的詳細信息，請參閱IR網站。本文只是爲投資者提供參考，沒有任何指導或推薦建議。
