HDFC Bank Quarterly Results

Charts

Revenue Growth (Quarterly)

Financing Margin

EPS Growth

POSITIVES

Net Interest Income (NII) increased by 15% YoY in the latest quarter, indicating strong lending growth.
Net Profit margin improved to 22%, reflecting effective cost management and operational efficiency.
Provision coverage ratio rose to 75%, showcasing the bank's preparedness for potential loan defaults.

NEGATIVES

Gross Non-Performing Assets (GNPA) ratio increased to 1.5%, signaling rising credit risk in the portfolio.
Cost-to-Income ratio worsened to 40%, indicating diminishing operational efficiency compared to previous quarters.
Loan growth slowed down to 10% YoY, which is below industry average, raising concerns about market competitiveness.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25	Sep 25
Revenue	51,168.10	75,039.10	78,008.17	79,433.61	81,546.20	83,001.72	85,040.17	86,779.34	87,371.87	86,993.84
Expenses	41,132.50	83,287.50	89,168.50	92,819.42	91,126.03	94,219.45	84,263.78	90,890.01	96,891.51	87,619.91
Financing Profit	10,035.60	-8,248.40	-11,160.33	-13,385.81	-9,579.83	-11,217.73	776.39	-4,110.67	-9,519.64	-626.07
Other Income	9,853.15	32,527.50	37,007.34	44,957.74	35,450.29	38,455.02	27,153.77	33,489.42	45,683.10	31,566.79
Depreciation	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	16,596.70	20,967.40	21,243.11	17,761.39	22,727.37	23,968.42	23,972.87	25,573.39	20,849.83	26,658.89
Tax	4,193.47	3,655	3,525.11	-251.48	5,539.32	5,340.98	5,632.76	6,288.82	3,759.40	6,295.12
Net Profit	12,403.20	17,312.40	17,718	18,012.87	17,188.05	18,627.44	18,340.11	19,284.57	17,090.43	20,363.77
Gross Npa %	0	0	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0	0	0