Private banks ended the fourth quarter of FY2025 with improved profits and asset quality. However, with the RBI cutting interest rates by 50 basis points, lenders are watching their margins closely as loans get repriced.
HDFC Bank Q4FY25 Results
- Net Profit: ₹17,616 crore (up 6.7% YoY)
- Net Interest Income (NII): ₹32,070 crore (up 10.3%)
- Net Interest Margin (NIM): 3.5% (vs 3.4% last year)
- Gross NPA: 1.33% (vs 1.24% last year)
- Net NPA: 0.43% (vs 0.33% last year)
- Dividend: ₹22 per share
HDFC Bank slowed loan growth to focus on deposits, expecting margin pressure due to rate cuts.
ICICI Bank Q4FY25 Results
- Net Profit: ₹12,629 crore (up 17.95% YoY)
- NII: ₹21,193 crore (up 11%)
- NIM: 4.41% (vs 4.4% last year)
- Gross NPA: 1.67% (vs 2.16% last year)
- Net NPA: 0.39% (vs 0.42% last year)
- Dividend: ₹11 per share
ICICI Bank expects margins to be impacted by rate cuts but will focus on risk-adjusted profits.
Yes Bank Q4FY25 Results
- Net Profit: ₹738 crore (up 63.3% YoY)
- NII: ₹2,276 crore (up 5.7%)
- NIM: 2.5% (vs 2.4% last year)
- Gross NPA: 1.6% (vs 1.7% last year)
- Net NPA: 0.3% (vs 0.6% last year)
Yes Bank’s profit growth was supported by higher interest income and lower provisions.
Key Takeaways
- Private banks saw strong profit growth in Q4FY25.
- Asset quality improved, but NPAs slightly rose for HDFC Bank.
- RBI rate cuts may pressure margins in the coming quarters.
