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0:04 Hello friends. So today is July 19, 2025. Friends, in this video we will talk about two such heavyweight shares whose quarter one results were out today. Now you can see for yourself what the result was like. First of all, we will talk about India's largest private sector bank HDFC Bank LED, today at around 3:00 pm the bank informed the market about the bank's result. So here you can see the official website of BS. So friends, first of all, without talking much, let me take you to the Result Bonus and Dividend. Look, now listen to me carefully and observe each and every point carefully because see where the problem was occurring that this time any private sector bank of India, whether we
0:51 talk about the results of Axis Bank which was out day before yesterday on Thursday or talk about the results of Bandhan Bank which was out last evening, nothing special is happening, see, the margin is shrinking, profit is declining, percentage of NPA is increasing, there are a lot of issues, due to which, friends, which way the results of HDFC Bank and ICIC Bank will be, that will decide which way the market will go on Monday. It is cleared, right? So friends, because of this the results of these two banks were very important for the market also. Whether you have shares or not it does not matter but for the sake of market, look friends. Well, first of all we will talk about HDFC Bank. Look at the stand alone results, note here that all the figures are in crores only. So see, from the bank's side, they sent the numbers for three different quarters, which they often do. Starting from the left, this is your June quarter, i.e. current quarter,
1:38 this is your last quarter, i.e. quarter four number and this is your one year old, i.e. June quarter number of 2024. So first of all we will compare these three quarters together. By the Way Bank has also given bonus today. Special dividend has also been given to its shareholders. We will move forward on that too. See, total income comes first. See because there is a bank. The main revenue source of the bank is NII i.e. Net Interest Income. And what comes after adding others income is called total income. So here you see the total income figure is ₹99200 crores. In the last quarter, this figure was 89487 crores and 1 year ago, i.e. in June 2024, the
2:25 total income of HDFC Bank was ₹83701 crores. So, we saw that there was not much growth in the income of Axis Bank or Bandhan Bank. As compared to Bandhan and Axis HDFC Bank, friends, we saw a very good growth in the total income. I mean, it was 83000 something, if you look at it, it has increased from there and has reached above 99,000. The bank also performed well on same quarter on quarter basis. Well, another problem that was happening was that this time the margin was shrinking due to the bank's expenditure having increased a lot. The margins were dropping. But friends, HDFC Bank went ahead in this matter also. Whatever you call the expenditure or expenses, it has
3:11 not increased that much this time. Like how much was it last year? It was 59816 crores in the last quarter and 62951 crores in this quarter, friends see, there will be a slight increase, there will be a slight increase because the income has increased on quarterly basis, income has increased on yearly basis, so there has been a slight increase here to 63466 crores, but percentage wise friends, it has not increased that much, this has become a huge advantage. Now let's go down and let me show you. What remains after paying all the taxes etc., that is the 14th point net profit for the period, means ultimately how much the bank earned and ultimately at this point, most of the private banks whose results have come out now are failing. So see, in this quarter the total net
3:57 profit figure of HDFC Bank came to ₹18155 crore, ₹1155 crore in the last quarter, i.e., in Quarter 4, this figure was ₹17616 crore and a year ago in June 204, the same figure was ₹16174 crore. And friends, I would like to tell all of you to listen to this figure carefully. If possible, if you have a paper and pen near you, note it down a little, 18155 crore, because what was the market estimate and according to that, whether it was able to beat it or not, that too is very important. So, if you have a paper and pen near you or in your phone, note it down a little. 18155 crore is the net profit of the bank.
4:43 Now, come down and look a little. It is a bank. For a bank, see the percentage of NPA, especially gross NPA, net NPA, that matters a lot. NPA means a simple thing. Non performing assets mean those assets which are of no use to the bank. The lower it is the better. The problem was that this time the NPA percentage of most of the private banks was increasing significantly. Look, I would like to say unfortunately because HDFC Bank has done a very good job in the profit margin income segment. But friends, I failed here. Where? On NPA issues. Look, this time the gross NPA of HDFC Bank is 1.40% and net NPA is 0.47%. In the last quarter, gross NPA and net
5:30 NPA were slightly lower, it was 0.43% net and 1.33% gross. Even if you look at last year, it was a little less. So, it means that this time the NPA segment, whether it is gross or net, has broadened a bit. It is a bit big which is not a good thing. So, if we talk overall, I would say that apart from NPA and non-performing assets, the performance of the bank was quite good. So friends, what is your opinion on the performance of HDFC Bank shares i.e. the company ? Comment and let us know what you guys think? Meaning, what kind of movement will happen in the shares next day? Will the stock gain or will it fall? Whatever you think, please tell me by commenting. Okay, let me give you a little update on bonus and dividend. So
6:15 today the company has declared special dividend along with the results. ₹5 per equity share means you will get ₹5 dividend for one share. If there is one then you will get five, if there are two then you will get 10 and so on. Ok? Well along with that, friends, note one more thing that the company also issued bonus this time. Just a minute let me show you the bonus issue part. Let us see that the company issued bonus in 1:1 ratio. Noting the bonus in 1:1 ratio means it is very simple. If an investor has one, listen carefully. There is just a single quantity share they will get one more with them. So ultimately the number of quantity will simply double. If you are eligible, then if you have five, it will become 10. If it
7:00 is 10 then it will become 20. If it is 20 then it will become 40. You will get it in this ratio. Ok? So friends, this is ultimately the balance sheet of HDFC Bank and if you have any confusion or doubt, please let us know by commenting. Well friends, do you remember the thing that I told you to remember, that the bank's profit was Rs 18155 crore. So here you will be able to see the market estimate from the brokerage ranging from Rs 16400 crores to Rs 17120 crores. So it is a very simple thing. This time the bank beat the market estimates. Ok ? So, according to me, I would say the overall percentage of the bank is quite good. Percentage of accept NPA. Otherwise,
7:46 everything is fine. Let's see what kind of response we get from the brokerage next day morning i.e. on Monday morning. Rating and target etc. Ok ? Well now let's move ahead and see how was the performance of ICICI Bank and before that friends, I will make a small request to all of you, if you liked the video so far, found it informative, please like the video and friends, please keep subscribing to the channel to get such informative videos everyday and remember friends the day after tomorrow means Monday because the market will open again and tomorrow means Sunday, remember tomorrow on Sunday, I will give you all the important information, vital events, important whatever will happen economically, pie to pie for the next week. So don't miss a single update and even today
8:32 I will upload videos for you on many important topics. Ok? Well, now let us check how the result of ICICI Bank was. Around the same time, ICICI Bank also informed the market. See here also, all the figures are in crores. Now look with a little patience. Ok? Look, this is your current quarter. This is your last quarter and this is your one year old quarter of June 204. Ok? So let's start with total income. The total income of ICICI Bank in this quarter was ₹51451 crores. In the last quarter this figure was ₹49,690 crores and in the last year i.e. a year ago the total income of ICICI Bank was ₹45,997 crores. That means there was a good growth on year on year basis. Along with that, the bank has
9:18 also maintained excellent growth on quarter on quarter basis. So friends, the big bank has done good work and according to me, you can say that this is one of the prime reasons why this bank is different from other banks, then you will be able to understand that it does excellent work. Ok? Now see how much the total expenditure was. Look at the expenses, it is fully controlled, 3275 crore in the last quarter, 326 crores, it has not increased that much and how much it was in the last year, 2972 crores, so with the increase in income, it has not happened like this, it has increased a little along with the increase in income, okay, well now come
10:05 down a little, after all the taxes etc., point number 15 which is mentioned in bold, it is important how much net profit for the period ultimately the bank earned. So this time the net profit of ICICI Bank is Rs 12768 crore. In the last quarter i.e. Quarter Four, this figure was Rs 12629 crores and last year, a year ago, this figure was Rs 159 crores. So yes, ICICI Bank also performed very well by beating the market estimates and both these banks touched a new record by breaking their previous records whether in the profit segment or the income segment and especially I would say ICICI Bank, like
10:51 see what happened in the case of HDFC Bank, HDFC Bank had done excellent work in every segment but the percentage of NPA had lagged, friends. But friends, ICICI Bank played a great game there. First you see, first I will show you percentage wise. Look, here you can see Gross Net NPA. Ok? Look at non performing assets. First you check the gross. Talk about gross. In the last quarter it was 1.67%. That's ok. This time it's beans. There have n't been any major changes in this. And the ear on ear has fallen on the base. How much was it last year? 2.15% means gross NPA has fallen on year on year basis. Good thing, this is what was needed. And if we talk about net NPA, it
11:36 was 0.43% last year and 0.41% in this quarter, meaning ICICI Bank's net NPA also dropped on year on year basis. But in one small area, just one small area, the net NPA increased slightly on a quarterly basis. It is not that it increased a lot but it increased slightly. Ok? So overall both the banks performed well, HDFC Bank, ICICI Bank and friends what is your opinion, please do let us know by commenting and along with that, friends both the banks have comfortably beaten most of the market estimates. Look at this Beat Street estimate, there is a jump of 15% in the net profit and on the other hand HDFC Bank has also maintained a jump of around 12% in the profit. Ok? Well now the
12:21 biggest question is why are the friends of these two banks the highest in the market ? I think this might come to your mind. Look, when we talk about Nifty 50, then there are 50 shares in Nifty 50, but you should not think that 50 shares of Nifty 50 have equal value. So no, there is no equal value. Someone's weightage is very high. Some people's weightage is very low. So as per the weightage, if you look at HDFC Bank, what is the weightage of HDFC Bank? What is the weightage of 13.25% Reliance Industries? Latest data on S: What is the weightage of 8.94% ICICI Bank? 8.82% and friends, these three companies and banks presented their financial updates to the market after the market closed yesterday and all three of
13:06 them did a great job. All three performed well. Although we have already seen the results of HDFC Bank. I already shared the Reliance results with you yesterday. We have already seen the result of ICICI Bank. Now the only thing left is that on Monday, what kind of rating and target is given by the brokerage company i.e. the one which often gives rating and target, it will also depend largely on that. Let's see that everything will be fine because if you calculate the weightage of these three, more than that you will see a weightage of 32%, so you can understand that if this 32% is put on one side, the rest of the friends will easily come along with it because the financial services sector also has a lot of weightage individually, almost around 37%. Ok? So keep an eye on these three stocks and especially I would say that if Bank Nifty moves forward then it will
13:52 take the market along with it as it happened last day when Bank Nifty fell due to poor results of Axis Bank and the market also fell suddenly. Ok so friends, I have shared this important update with you. Remember there are many more important company results and many more important updates today which we will cover in the next few videos. Do n't miss a single update. Stay Connected V Channel. For now let me wind up this video. See you in the next video. Take care. Bye, Jai Hind.
