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<h1>HDFC Bank posts profit growth driven by non-interest income, lower provisions, and capital adequacy resilience.</h1> HDFC Bank's quarter saw profit rise driven by non-interest income and lower provisions, with NPAs declining though agricultural stress raised third quarter ratios; the new labour codes caused an Rs 800 crore expense impact, and the bank maintained robust capital adequacy (total 19.9%, tier I 17.8%) while adjusting credit mix and branch footprint.
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