HDFC - N Bang -

 ·         *Result were in line with expectation*
 ·         NII increased 30.6% QoQ and 13.6% YoY to Rs 2121.4 cr
 ·         PAT increased 36.4% QoQ and 17.3% YoY
 ·         The stock is trading at 5.38x P/ABV which we believe is fairly
valued
 ·         The company also operates in life insurance, general insurance
and asset management business which is reported in consolidated numbers.
 ·         Consolidated PAT increased 33.5% QoQ and 16.8% YoY


-- 
CA. Rajesh Desai

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