{"id":12441,"date":"2022-10-20T16:28:35","date_gmt":"2022-10-20T10:58:35","guid":{"rendered":"https:\/\/univest.in\/blogs\/?p=12441"},"modified":"2022-10-20T16:28:35","modified_gmt":"2022-10-20T10:58:35","slug":"hdfc-bank-reported-robust-q2fy23","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/hdfc-bank-reported-robust-q2fy23\/","title":{"rendered":"HDFC Bank reported robust Q2FY23 in line with expectations"},"content":{"rendered":"<p>HDFC Bank has demonstrated the ability to generate high double-digit returns historically and since its share price has drastically corrected since 2022, analysts now anticipate a recovery. HDFC Bank recently announced its Q2FY23 results, which again brought the company into focus. The results were in line with estimates, as per an analyst\u2019s poll. HDFC Bank which has a market cap of Rs 804,218 crores, announced its Q2FY23 results on 15th October 22. On Friday, a day before the results, the HDFC Bank stock jumped nearly 4% to close at Rs 1446 per share. Even the brokerages have now upgraded their rating to Buy, after this Q2FY23 results. So, let\u2019s now proceed towards analysing those numbers, which convinced investors of its future potential.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-bank-reported-robust-q2fy23\/#HDFC_Bank_Q2FY23_results_Highest_NII_reported_in_Q2FY23_backed_by_robust_NIMs\" title=\"HDFC Bank Q2FY23 results: Highest NII reported in Q2FY23 backed by robust NIMs\">HDFC Bank Q2FY23 results: Highest NII reported in Q2FY23 backed by robust NIMs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-bank-reported-robust-q2fy23\/#Other_Income\" title=\"Other Income\">Other Income<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-bank-reported-robust-q2fy23\/#HDFC_Bank_Q2FY23_results\" title=\"HDFC Bank Q2FY23 results\">HDFC Bank Q2FY23 results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-bank-reported-robust-q2fy23\/#HDFC_Bank_Q2FY23_results_Operating_profits_robust_in_Q2FY23\" title=\"HDFC Bank Q2FY23 results: Operating profits robust in Q2FY23\">HDFC Bank Q2FY23 results: Operating profits robust in Q2FY23<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-bank-reported-robust-q2fy23\/#Other_Key_Updates_Merger_expected_to_be_completed_earlier_by_one_Quarter\" title=\"Other Key Updates: Merger expected to be completed earlier by one Quarter\">Other Key Updates: Merger expected to be completed earlier by one Quarter<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/hdfc-bank-reported-robust-q2fy23\/#ABOUT_THE_AUTHOR\" title=\"ABOUT THE AUTHOR\">ABOUT THE AUTHOR<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"HDFC_Bank_Q2FY23_results_Highest_NII_reported_in_Q2FY23_backed_by_robust_NIMs\"><\/span>HDFC Bank Q2FY23 results: Highest NII reported in Q2FY23 backed by robust NIMs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>HDFC Bank reported a PAT of Rs 10,606 crores in Q2FY23, a growth of 20% YoY from Rs 8,834 crores in Q2FY22 and 15% QoQ from Rs 9,196 crores in Q4FY22. This PAT growth was supported by healthy NII growth, i.e., Net interest income.<\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-12444 size-full\" src=\"https:\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PAT.png\" alt=\"HDFC Bank Q2FY23\" width=\"3798\" height=\"1975\" srcset=\"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT.png 3798w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-300x156.png 300w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-1024x532.png 1024w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-768x399.png 768w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-1536x799.png 1536w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-2048x1065.png 2048w\" sizes=\"(max-width: 3798px) 100vw, 3798px\" \/><\/p>\n<p>NII for Q2FY23 was Rs 21,021 crores, an increase of 8% QoQ and nearly 19% YoY. NII growth of 19% YoY, which was roughly in line with forecasts, was underpinned by strong advances in growth and a 10 Bps improvement in NIMs on a sequential basis.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-12447 size-full\" src=\"https:\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/NIIs.png\" alt=\"HDFC Bank \" width=\"3798\" height=\"1988\" srcset=\"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs.png 3798w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-300x157.png 300w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-1024x536.png 1024w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-768x402.png 768w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-1536x804.png 1536w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-2048x1072.png 2048w\" sizes=\"(max-width: 3798px) 100vw, 3798px\" \/><\/p>\n<p>The 11% QoQ increase in interest on advances and the 12% QoQ increase in interest expenses show the impact of repricing quite clearly. The bank is therefore concentrating on speeding up its retail deposits to enable strong growth in advances. Thus, NIMs increased 10bps QoQ to 4.1%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Other_Income\"><\/span>Other Income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Meanwhile, fees from the retail segment, which account for 93% of the fee income, continued to grow strongly and were up 17% YoY. However, a treasury loss of Rs 2,500 crores held back the entire non-interest income. Retail growth kept pace with wholesale banking, which saw growth of 27% YoY and 9% QoQ, as well as commercial and rural banking, which saw growth of 31% YoY and 9% QoQ.<\/p>\n<p style=\"text-align: right;\"><em><span data-preserver-spaces=\"true\">You may also like: <\/span><\/em><a href=\"https:\/\/univest.in\/which-one-is-the-best-pick-in-the-banking-sector-decide-after-going-through-comparative-analysis-here\/\">Which one is the best pick in the banking sector?<\/a><\/p>\n<h3><span class=\"ez-toc-section\" id=\"HDFC_Bank_Q2FY23_results\"><\/span>HDFC Bank Q2FY23 results<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Operating profits robust in Q2FY23 HDFC Banks PPOP for Q2FY23 came in at Rs 17,392 crores, which is almost a 10% YoY rise from Rs 15,807 crores in Q2FY22. Whereas on a sequential basis, Pre-Provisioning Operating Profit (PPOP) grew 13.2% from Rs 15,386 crores in Q1FY23. In Q2FY23, provision coverage, which includes floating, contingent, and standard provisions, was Rs 110 crores. Additionally, bad loan provisions and contingencies decreased to Rs 3,240.1 crore from Rs 3,924.7 crore in Q2FY22. In contrast to Q2FY22&#8217;s 1.30%, the overall credit cost ratio for this quarter was 0.87%.<\/p>\n<h3><img decoding=\"async\" class=\"aligncenter wp-image-12450 size-full\" src=\"https:\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PPOP.png\" alt=\"HDFC Bank \" width=\"3798\" height=\"1964\" srcset=\"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP.png 3798w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-300x155.png 300w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-1024x530.png 1024w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-768x397.png 768w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-1536x794.png 1536w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-2048x1059.png 2048w\" sizes=\"(max-width: 3798px) 100vw, 3798px\" \/><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"HDFC_Bank_Q2FY23_results_Operating_profits_robust_in_Q2FY23\"><\/span>HDFC Bank Q2FY23 results: Operating profits robust in Q2FY23<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>HDFC Banks PPOP for Q2FY23 came in at Rs 17,392 crores, which is almost a 10% YoY rise from Rs 15,807 crores in Q2FY22. Whereas on a sequential basis, Pre-Provisioning Operating Profit (PPOP) grew 13.2% from Rs 15,386 crores in Q1FY23. In Q2FY23, provision coverage, which includes floating, contingent, and standard provisions, was Rs 110 crores. Additionally, bad loan provisions and contingencies decreased to Rs 3,240.1 crore from Rs 3,924.7 crore in Q2FY22. In contrast to Q2FY22&#8217;s 1.30%, the overall credit cost ratio for this quarter was 0.87%.<\/p>\n<p>HDFC Bank Q2FY23 results: Asset quality finally started improving in Q2FY23 The bank&#8217;s asset quality increased as the gross NPA ratio decreased from 1.35% of total advances in Q2FY22 to 1.23% in Q2FY23. Sequentially, the gross NPA decreased by 5 basis points. For the quarter that ended on September 30, net NPA was at 0.33% of net advances, a sequential reduction of 2 basis points.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12451 size-full\" src=\"https:\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/Asset-Quality.png\" alt=\"HDFC Bank\" width=\"3798\" height=\"1964\" srcset=\"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality.png 3798w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-300x155.png 300w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-1024x530.png 1024w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-768x397.png 768w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-1536x794.png 1536w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-2048x1059.png 2048w\" sizes=\"(max-width: 3798px) 100vw, 3798px\" \/><\/p>\n<p>Thus, Asset Quality remained stable with GNPA at 1.23% vs. 1.28% QoQ. The restructured book continues to decline, falling 27% QoQ to Rs 7850 crores (53 Bps of advances).<br \/>\nNevertheless, the slippages were kept to 1.9%. Earnings at HDB Financial also showed an increase in asset quality and a pick-up in growth traction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Other_Key_Updates_Merger_expected_to_be_completed_earlier_by_one_Quarter\"><\/span>Other Key Updates: Merger expected to be completed earlier by one Quarter<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The merger with <a href=\"https:\/\/www.zeebiz.com\/market-news\/live-updates-live-hdfc-bank-quarterly-results-q2fy23-earnings-announcement-date-time-and-expectations-203311\" rel=\"nofollow noopener\" target=\"_blank\">HDFC Ltd<\/a>. looks to be proceeding as planned, with HDFC Bank receiving an NCLT order to call a shareholders&#8217; meeting for approval of the proposed merger on November 25, 2022, after which the bank will request final NCLT approval.<\/p>\n<p>The management estimates that after the approval of the shareholders, the merger might take up to 6 or 8 months. As a result, the merger, which was planned to be finished by Q3FY24, could perhaps be finished by Q2FY24.<\/p>\n<p>HDFC Bank anticipates that the rise in advances would be supported by the ongoing recovery in domestic demand, which has been encouraged by the start of the holiday season and higher government Capex. Even activity figures from the July to September quarter show that despite the risk of geopolitical conflict around the world and the strong dollar, economic activity is still holding up. On the other side, high frequency has increased so far this year and looks to offer more chance and hope.<\/p>\n<p>Univest View along with Technical Analysis: A favorable shift in the portfolio mix toward retail loans and a speedier transmission of interest rate increases will assist HDFC Bank to boost its NIMs. The advances growth has been positive and is anticipated\u00a0 to continue. A solid CASA mix and strong retail-led granular deposit franchise should enable the bank to support the margin trend. Investors can also anticipate that asset quality would remain constant, and HDFC Bank will benefit from lending to high-quality clients by lowering its credit costs, which will boost earnings.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-12452 size-full\" src=\"https:\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022.png\" alt=\"HDFC Bank\" width=\"1127\" height=\"465\" srcset=\"https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022.png 1127w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-300x124.png 300w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-1024x423.png 1024w, https:\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-768x317.png 768w\" sizes=\"(max-width: 1127px) 100vw, 1127px\" \/><\/p>\n<p>HDFC Bank is currently trading close to Rs 1450, which is more than 10% above 52 weeks low of Rs 1257. It is facing resistance at Rs 1534 and if moves up &amp; sustains above this level, can potentially enter a bull run. Axis Direct said, \u201cWe maintain our BUY recommendation on the stock with a revised target price of Rs 1,800\/share derived using the SOTP method (core bank at 3.1x FY24E ABV + Subsidiaries value Rs 69), implying an upside of 25% from the CMP.\u201d ICICI Securities said, \u201cMaintain BUY with an unchanged target price of Rs1,874. Key risks: regulatory costs attached with HDFC merger, and elevated opex.\u201d On the Univest App, the company carries a neutral stance for fundamentals as well as short- &amp; long-term trends. As the 50 EMA line is close to the 100 &amp; 200 EMA line, therefore, a better approach would be to wait for confirmation on technical charts for future trends.<\/p>\n<h4><span class=\"ez-toc-section\" id=\"ABOUT_THE_AUTHOR\"><\/span><span data-preserver-spaces=\"true\">ABOUT THE AUTHOR<\/span><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p><span data-preserver-spaces=\"true\">Ketan Sonalkar (SEBI Rgn No INA000011255)<\/span><\/p>\n<p><span data-preserver-spaces=\"true\">Ketan Sonalkar is a certified SEBI registered investment advisor and head of research at\u00a0<\/span><a class=\"editor-rtfLink\" href=\"https:\/\/univest.in\/\" target=\"_blank\" rel=\"noopener\"><span data-preserver-spaces=\"true\">Univest<\/span><\/a><span data-preserver-spaces=\"true\">. He is one of the finest financial trainers, with a track record of having trained more than 2000 people in offline and online models. He serves as a consultant advisor to leading fintech and financial data firms. He has over 15 years of working experience in the finance field. He runs Advisory Services for Direct Equities and Personal Finance Transformation.<\/span><\/p>\n<p><em><span data-preserver-spaces=\"true\">Note \u2013 This channel is for educational and training purpose only &amp; any stock mentioned here should not be taken as a tip\/recommendation\/advice<\/span><\/em><\/p>\n<p><em><span data-preserver-spaces=\"true\">You may also like: <a href=\"https:\/\/univest.in\/blogs\/bajaj-auto-q2fy23-results-above-expectation\/\">Bajaj Auto Q2FY23<\/a><\/span><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>HDFC Bank has demonstrated the ability to generate high double-digit returns historically and since its share price has drastically corrected since 2022, analysts now anticipate a recovery. HDFC Bank recently announced its Q2FY23 results, which again brought the company into focus. The results were in line with estimates, as per an analyst\u2019s poll. HDFC Bank<\/p>\n","protected":false},"author":10,"featured_media":26910,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24],"tags":[582,580,579,581],"class_list":["post-12441","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-market","tag-hdfc-bank-ltd-share-price","tag-hdfc-bank-q2","tag-hdfc-bank-q2-results-2021","tag-hdfc-stock-price"],"metadata":{"_edit_lock":["1666327498:8"],"_edit_last":["8"],"_thumbnail_id":["26910"],"_nectar_gallery_slider":["off"],"_nectar_quote_author":[""],"_nectar_quote":[""],"_nectar_link":[""],"_nectar_video_m4v":[""],"_nectar_video_ogv":[""],"_nectar_video_poster":[""],"_nectar_video_embed":[""],"_nectar_audio_mp3":[""],"_nectar_audio_ogg":[""],"_post_item_masonry_sizing":["regular"],"_nectar_header_bg":[""],"_nectar_header_parallax":["off"],"_nectar_header_bg_height":[""],"_nectar_page_header_bg_alignment":["top"],"_nectar_header_bg_color":[""],"_nectar_header_font_color":[""],"_wpb_vc_js_status":["false"],"_yoast_wpseo_focuskw":["hdfc bank q2 results 2021"],"_yoast_wpseo_metadesc":["HDFC Bank has demonstrated the ability to generate high double-digit returns historically and since its share price has drastically..."],"_yoast_wpseo_linkdex":["59"],"_yoast_wpseo_content_score":["30"],"_yoast_wpseo_estimated-reading-time-minutes":[""],"_yoast_wpseo_wordproof_timestamp":[""],"_yoast_wpseo_primary_category":["24"],"nectar_blog_post_view_count":["210"],"rank_math_primary_category":["24"],"rank_math_description":["HDFC Bank has demonstrated the ability to generate high double-digit returns historically and since its share price has drastically..."],"rank_math_focus_keyword":["hdfc bank q2 results 2021"],"rank_math_news_sitemap_robots":["index"],"rank_math_robots":["a:1:{i:0;s:5:\"index\";}"],"rank_math_analytic_object_id":["195"],"post_views_count":["508"],"rank_math_internal_links_processed":["1"],"amazonS3_cache":["a:56:{s:53:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PAT.png\";a:1:{s:9:\"timestamp\";i:1713810058;}s:54:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/NIIs.png\";a:1:{s:9:\"timestamp\";i:1713810058;}s:54:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PPOP.png\";a:1:{s:9:\"timestamp\";i:1713810058;}s:63:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/Asset-Quality.png\";a:1:{s:9:\"timestamp\";i:1713810058;}s:75:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022.png\";a:1:{s:9:\"timestamp\";i:1713810058;}s:61:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PAT-300x156.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:62:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PAT-1024x532.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:61:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PAT-768x399.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:62:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PAT-1536x799.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:63:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PAT-2048x1065.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:62:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/NIIs-300x157.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:63:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/NIIs-1024x536.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:62:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/NIIs-768x402.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:63:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/NIIs-1536x804.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:64:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/NIIs-2048x1072.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:62:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PPOP-300x155.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:63:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PPOP-1024x530.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:62:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PPOP-768x397.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:63:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PPOP-1536x794.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:64:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/PPOP-2048x1059.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:71:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/Asset-Quality-300x155.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:72:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/Asset-Quality-1024x530.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:71:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/Asset-Quality-768x397.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:72:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/Asset-Quality-1536x794.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:73:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/Asset-Quality-2048x1059.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:83:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-300x124.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:84:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-1024x423.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:83:\"\/\/univest.in\/blogs\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-768x317.png\";a:1:{s:9:\"timestamp\";i:1713796128;}s:55:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:63:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-300x156.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:64:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-1024x532.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:63:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-768x399.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:64:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-1536x799.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:65:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PAT-2048x1065.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:56:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:64:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-300x157.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:65:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-1024x536.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:64:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-768x402.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:65:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-1536x804.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:66:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/NIIs-2048x1072.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:56:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:64:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-300x155.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:65:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-1024x530.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:64:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-768x397.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:65:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-1536x794.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:66:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/PPOP-2048x1059.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:65:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:73:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-300x155.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:74:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-1024x530.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:73:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-768x397.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:74:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-1536x794.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:75:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/Asset-Quality-2048x1059.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:77:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:85:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-300x124.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:86:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-1024x423.png\";a:1:{s:9:\"timestamp\";i:1778162025;}s:85:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2022\/10\/HDFCBANK_Daily_19-10-2022-768x317.png\";a:1:{s:9:\"timestamp\";i:1778162025;}}"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2024\/10\/18181926\/portfolio-2-2.jpg","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/12441","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=12441"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/12441\/revisions"}],"predecessor-version":[{"id":12454,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/12441\/revisions\/12454"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/26910"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=12441"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=12441"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=12441"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}