According to the BSE calendar, HDFC Bank and ICICI Bank, two of India’s two largest private sector lenders, are set to announce their financial results for the fourth quarter of FY2024-25 on Saturday.
According to the report of IIFL Capital, till 31 March, 2025, HDFC Bank’s duration-end advance was Rs 27.73 lakh crore, which ranging from Rs 25.76 lakh crore to Rs 7.7 percent last year.Based on the quarter, in December 2024, there was an increase of 3.3 percent from Rs 26.83 lakh crore. Retail loans increased by 9 percent year after year, while commercial and rural banking loans increased by 12.8 percent. However, corporate and other wholesale loans declined by 3.6 percent, reducing the overall debt hike. According to the report, in March 2024, gross progress from Rs 25.08 lakh crore to 5.4 percent was Rs 26.43 lakh crore.
The bank also secured and assigned a loan of Rs 10,700 crore during Q4, with a total of Rs 57,000 crore for FY 25 in total. HDFC Bank also saw a healthy growth in its deposit base. The period-end deposit increased from 14.1 percent year-on-year to Rs 23.79 lakh crore to Rs 27.14 lakh crore. On quarterly basis, the deposit increased by 5.9 percent. CASA deposit Rs 9.44 lakh crore, year-on-year 3.9 percent and 8.2 percent in quarter-spectacle.The time deposit saw a 20.3 percent annual increase in Rs 17.70 lakh crore as more customers opted for fixed deposits. According to IIFL Capital, the average deposit for the quarter was Rs 25.28 lakh crore, up to 15.8 percent from the same period last year.
Meanwhile, ICICI Bank is expected to report a strong income for the March quarter, in which Brokerage has registered a 10–15 percent increase in net profit from year to year. Estimates from Elara Capital, JM Financial, IIFL Capital and Nuwama Institutional Equities are between Rs 11,822 crore and Q4 between Rs 11,822 crore and Rs 12,350 crore. According to the Economic Times report, net interest income is expected to increase by 7.6-11 percent, which is between Rs 20,543 crore and Rs 21,170 crore, according to the Economic Times report, Ilracapital, JM Financial, IIFL Capital and Nuwama Integational Equality.
Meanwhile, Fitch Ratings recently upgraded the ICICI Bank’s asset quality score from ‘BB-‘ to ‘BB’ and revised the approach to positive, citing improvement in impaired loans. The agency hopes that according to the ET report, there will be a slight increase in the bank’s loan-to-sub-report ratio as it continues to grow on both fronts.
Investors are looking closely as the two banks reported results and develop credit trends between a dynamic economic landscape.
