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  Based on the analyst expectations for Q4 FY25 results, here are some potential points that could worry investors or potentially impact the stock market negatively if the actual results or forward-looking guidance fall short: For HDFC Bank: Net Interest Margins (NIMs): This is a primary focus. Analysts expect NIMs to be flat or contract marginally compared to the previous quarter (around 3.4-3.5%). Worry Point: If NIM compression is worse than expected, or if the management commentary doesn't provide a clear and confident path towards margin recovery post-merger (despite recent measures like savings rate cuts), it could disappoint investors. Persistent margin pressure impacts core profitability. Loan Growth Momentum: While deposit growth has been strong (around 14% YoY), loan growth is expected to be more moderate (around 5.4% YoY based on provisional data) as the bank focuses on reducing its Credit-Deposit Ratio (CDR). Worry Point: If loan growth is significantly lower ...

Analyst expectations for the Q4 FY25 (quarter ended March 31, 2025) earnings of HDFC Bank and ICICI Bank, based on recent analyst reports. Both banks are scheduled to announce their results on Saturday, April 19, 2025.   HDFC Bank Q4 FY25 Expectations: Analysts generally expect HDFC Bank to report moderate growth, with continued focus on managing margins and the loan-to-deposit ratio post-merger. Net Profit (PAT): Expected to show modest year-on-year (YoY) growth, likely in the range of 2% to 7%. Sequentially (QoQ), profit is expected to be flat or show low single-digit growth. Estimates from various brokerages place the PAT around the ₹16,900 crore to ₹17,600 crore mark. Key Driver: Lower provisions compared to the previous year are expected to support profit growth.   Net Interest Income (NII): Expected to grow moderately YoY, with most estimates falling between 5.5% and 9%. QoQ growth is anticipated to be lower, around 1-3%. Some analysts see NII around ₹31,000 cr...

Tata Consultancy Services (TCS) announced its Q4 results for the fiscal year 2024-2025 today, April 10, 2025. Here are the key highlights:   Financial Performance: Revenue: ₹64,479 crore, up 5.29% year-on-year (YoY) from ₹61,237 crore in Q4 FY24. This represents a 0.79% increase compared to the previous quarter (Q3 FY25 revenue of ₹63,973 crore). Net Profit: ₹12,224 crore, a decrease of 1.69% YoY compared to ₹12,434 crore in Q4 FY24. However, this is a 1.2% increase from the net profit of ₹12,380 crore in Q3 FY25.   EBIT: ₹15,601 crore, a decrease of 0.36% YoY compared to ₹15,657 crore in Q4 FY24. Margin: 24.19%, down 27 basis points (bps) YoY from 24.47%.   Dividend: TCS declared a final dividend of ₹30 per equity share. Key Points and Context: The results are announced as the IT sector faces a trend of subdued growth. Analysts had anticipated flat revenue growth, stable deal wins, and a slight increase in net profit.   Focus will be on the manag...

ICICI Bank's Q3 FY25 results showed a positive picture with a 15% increase in net profit to Rs 11,792 crore. Positives : Strong Profit Growth: The significant increase in net profit demonstrates the bank's healthy financial performance. Increased Interest Income:  Higher interest income indicates strong loan growth and a favorable interest rate environment. Stable Asset Quality: The bank maintained stable asset quality with controlled non-performing assets (NPAs). Potential Concerns: Slight Decline in Net Interest Margin (NIM): While still strong, a slight decrease in NIM compared to previous quarters might be a minor concern. Competition: The banking sector remains competitive, which could pose challenges to maintaining market share and profitability. Overall: ICICI Bank's Q3 FY25 results were generally positive, reflecting strong financial performance and a stable operating environment. However, it's crucial to monitor key metrics like NIM and competition ...

The Q3 results for IDFC First Bank showed a mixed bag: Positives: Strong Loan Growth: The bank saw robust growth in its loan book across various segments, particularly in retail and corporate (non-infrastructure) loans. Healthy Deposit Growth: Customer deposits increased significantly, driven by a rise in retail deposits and current and savings accounts (CASA). This improved the bank's CASA ratio. Stable Asset Quality: Gross Non-Performing Assets (GNPAs) and Net NPAs (NNPAs) remained stable, indicating a healthy credit quality. Negatives: Profit Decline: Net profit slumped 53% due to higher provisions for the microfinance segment. This was primarily driven by increased slippages (loans turning bad) in the microfinance portfolio. Reduced Microfinance Disbursements: The bank slowed down disbursals of microfinance loans, likely in response to the rising stress in this segment. Normalization of Credit Costs: Credit costs for non-microfinance businesses also increased, impac...