HDFC Bank Ltd — Q2 FY25
HDFC Bank reported Q2 FY25 PAT of INR 16,800 crore, up 5.3% YoY (adjusted ~17% excluding bond gains and tax adjustments).
neutral
medium
✓ Verified against BSE filing
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q1 FY25
Loan-deposit ratio to decline faster than anticipated
Management aims to reduce the loan-deposit ratio more quickly than previously planned, prioritizing profitable growth over volume.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
Borrowing maturity profile of INR 650B for FY25
Scheduled borrowing maturities for the year are about INR 650 billion, with INR 250 billion already paid in Q1.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1