HDFC Bank's Proforma GNPA remained stable at 1.38% vs 1.37% QoQ while NNPA at 0.4%; reported GNPA declined to further 0.81%. However, Proforma Slippages remain at 1.86% vs 2.31% YoY vs 1.98% QoQ. Restructuring under RBI resolution framework stood at 0.5% of advances incl. fewer corporate cases. Bank reported collection efficiency at 97% in December month (earlier 95% Sept month). Profitability (PBT growth) saw an uptick led by lower provision; PAT remain stable at 18%. NII grew by 15% YoY against a loan growth of 16% YoY. PPoP grew by 17% YoY as cost to income ratio improved (36% vs 38% YoY); fee income grew by 10% YoY vs -3% (Q2FY21). As overall economy continues to improve, we...