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HDFC Bank Limited (HDB), 2024 Q4 earnings digest
$HDB has released its Q3 FY2025 earnings report, showing a quarterly EPS miss of $0.49 and a revenue of $4.87B, down by 2.18% Y/Y. Significant highlights include a strong 16% growth in average deposits and a cautious credit deposit ratio normalization.
Key categories:
- **Valuation**: Costs are up by 7%, holding firm in a tough macro.
- **Profitability**: NIMs remain stable amidst liquidity constraints.
- **Financial Health**: Provisioning coverage is at 68%, showing solid risk management.
Future growth looks cautiously optimistic, but risks in urban demand and liquidity persist.
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By ValueVerge$HDB has released its Q3 FY2025 earnings report, showing a quarterly EPS miss of $0.49 and a revenue of $4.87B, down by 2.18% Y/Y. Significant highlights include a strong 16% growth in average deposits and a cautious credit deposit ratio normalization.
Key categories:
- **Valuation**: Costs are up by 7%, holding firm in a tough macro.
- **Profitability**: NIMs remain stable amidst liquidity constraints.
- **Financial Health**: Provisioning coverage is at 68%, showing solid risk management.
Future growth looks cautiously optimistic, but risks in urban demand and liquidity persist.