HDFC Bank and ICICI Bank have both reported impressive earnings growth in the second quarter of 2025, primarily fueled by increased interest and non-interest income. Despite the positive results, both banks have raised concerns about margin pressures and have adopted a cautious approach towards certain retail lending segments. HDFC Bank declared a 1:1 bonus issue along with an interim dividend of Rs 5 per share, showcasing a 12.2% rise in net profit. Meanwhile, ICICI Bank witnessed a 15.4% increase in net profit driven by income growth. The banks’ financial reports indicate a mixed picture with robust profitability but hints of challenges ahead.