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银行有限公司(HDB)2025年第二季度业绩会议电话交易摘要：
Financial Performance:
金融业绩：
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银行报告税后利润为1680亿卢比，调整增长约为17%同比增长。
资产管理平均规模同比增长约为10.2%。
净利息收益率(NIM)在3.45%到3.5%的区间内保持稳定，报告为3.46%。
总不良资产(NPA)维持在约1.4%的稳定水平。
存款增长强劲，同比增长约15%，零售业务部门贡献巨大(占总存款的84%)。
Business Progress:
业务进展：
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银行着重加快贷款存款比（LDR）的正常化进程，比先前预期的速度更快地达到更可持续的水平。
银行继续扩大分行网络，以增加客户覆盖范围和密度。
特别关注优先领域贷款，特别是针对小农和弱势群体，以满足有机增长目标。
Opportunities:
机会：
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银行看到利用稳定的资产质量和监管环境的机会，为未来2-3年潜在的信贷需求市场转变做准备。
Risks:
风险：
Continued elevation in deposit rates poses a risk by potentially pressurizing net interest margins if the rate environment remains aggressive.
如果利率环境保持强劲，持续提高存款利率可能会对净利息收益率产生压力，存在风险。
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。文章内容的准确性无法完全保证。有关更全面的详细信息，请参阅IR网站。本文只是为投资者提供参考，没有任何指导或推荐建议。
