• HDFC's consolidated net revenues (net interest income plus other income) decreased by 13.3% quarter-on-quarter (QoQ) during the quarter ended June (Q1FY22). On a year-on-year (YoY) basis, it grew by 3.5%.
  • While the net profit fell by 6.3% QoQ, it witnessed a healthy growth of 30.9% on a YoY basis.
  • The reported Net Interest Margin (NIM) was 3.7%.
  • HDFC's capital adequacy ratio (CAR) stood at 22% in June 2021 quarter.
  • As per regulatory norms, the gross non-performing loans as at June 2021 stood at Rs 11,120 crore. This is equivalent to 2.24% of the loan portfolio.

HDFC’s financial statements for Q1FY22:

(Rs, crores) Q1FY21 Q4FY21 Q1FY22 QoQ (%) YoY (%)
Total Income 29,959.3 35,753.9 30,997.1 -13.3% 3.5%
Total Expenses 26,744.2 30,967.6 26,586.5 -14.1% -0.6%
Profit before tax 4,815.9 6,704.3 6,295.3 -6.1% 30.7%
Tax 757.4 1,034.9 984.3 -4.9% 30.0%
Profit after tax 4,058.5 5,669.4 5,310.9 -6.3% 30.9%
Earnings per share 20.9 29.7 27.9    

Data Source: BSE, Company announcements

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