Q1FY23 Financial Results
LOAN SPREADS
HDFC
WITH YOU, RIGHT THROUGH
12.00%
10.18%
10.00%
8.99%
2.29%
8.06%
8.00%
2.27%
6.00%
4.00%
6.70%
7.91%
5.77%
2.00%
0.00%
FY20
FY21
FY22
I Return on Loans
2.40%
2.35%
8.16%
2.30%
2.29%
2.25%
2.25%
2.20%
5.91%
2.15%
2.10%
Q1FY23
Cost of Borrowings
>>Spread
Q1FY23
Spread earned on:
Individual Loans
1.91%
Non-individual Loans
Loan Book
3.45%
2.25%
Note: Q1FY23: There has been a short-term impact due to the transmission lag between the interest rate increase in borrowing costs
and increase in lending rates. The Corporation has increased its benchmark lending rates and incrementally shifted from a quarterly
reset for individual loans to a monthly reset to reduce the impact of transmission of rate changes.
28View entire presentation