HDFC bank Q3FY2010 net profit grew 32% to Rs. 818.5 Cr y-o-y. This was due to improving NIMs (up 10 bps yoy), credit growth (up 21% yoy) and expansion in NII (up 10 bps yoy). This was supported by further improvement in CASA (49%, up 900bps yoy) and improvement in asset quality (Gross NPA declined 30bps to 1.6% yoy).