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    <title>HDFC Bank Q3 profit jumps 12 pc to Rs 19,807 cr powered by non-core income</title>
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    <description>HDFC Bank&#039;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.</description>
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