HDFC Bank's Q3 FY 2025-26 Quarterly Results
- 1d ago
Result Summary
- HDFC Bank Ltd reported a 7.1% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 13.1%.
- Its expenses for the quarter were up by 10.0% QoQ and 14.3% YoY.
- The net profit increased 1.6% QoQ and increased 12.8% YoY.
- The earnings per share (EPS) of HDFC Bank Ltd stood at 12.82 during Q3 FY 2025-26.
Financial Statments for Q3 FY 2025-26
Total Income | 126927.27 | 118560.63 | 112193.94 | 7.1% | 13.1% |
Total Expenses | 96345.46 | 87619.91 | 84263.78 | 10.0% | 14.3% |
Provisions & contingencies | 3620.71 | 4281.83 | 3957.29 | -15.4% | -8.5% |
Profit Before Tax | 26961.10 | 26658.89 | 23972.87 | 1.1% | 12.5% |
Tax | 6270.06 | 6295.12 | 5632.76 | -0.4% | 11.3% |
Profit After Tax | 20691.04 | 20363.77 | 18340.11 | 1.6% | 12.8% |
Earnings Per Share | 12.82 | 12.71 | 23.00 | 0.9% | -44.3% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
HDFC Bank Ltd is a prominent financial institution in India, primarily operating in the banking and financial services sector. The company offers a wide range of products and services including retail and wholesale banking, treasury, loans, credit cards, and insurance services. HDFC Bank is known for its robust network of branches and ATMs across the country, serving a vast customer base. As of the latest update, there are no specific recent major developments available for HDFC Bank. The bank continues to maintain a strong presence in the Indian banking industry, known for its customer-centric approach and innovative banking solutions.
Revenue
For the quarter ending Q3 FY26, HDFC Bank Ltd reported a total income of ₹126,927.27 crores, compared to ₹118,560.63 crores in Q2 FY26 and ₹112,193.94 crores in Q3 FY25. This represents a quarter-over-quarter (QoQ) increase of 7.1% and a year-over-year (YoY) increase of 13.1%. The consistent growth in total income highlights the company's ability to expand its revenue base over time. The increase in income could be attributed to various factors such as an increase in customer base, higher interest income, or an expansion of financial services offered.
Profitability
HDFC Bank's profitability in Q3 FY26 is reflected in its profit before tax (PBT) and profit after tax (PAT). The PBT for this quarter was ₹26,961.10 crores, up from ₹26,658.89 crores in the previous quarter, and ₹23,972.87 crores in the same quarter last year, marking a QoQ growth of 1.1% and a YoY growth of 12.5%. The PAT stood at ₹20,691.04 crores, compared to ₹20,363.77 crores in Q2 FY26 and ₹18,340.11 crores in Q3 FY25, reflecting a QoQ increase of 1.6% and a YoY increase of 12.8%. Tax expenses for Q3 FY26 were ₹6,270.06 crores, showing a slight decrease of 0.4% QoQ, while increasing 11.3% YoY. The Earnings Per Share (EPS) for Q3 FY26 was ₹12.82, a 0.9% increase from the previous quarter, but a notable decline of 44.3% compared to Q3 FY25.
Operating Metrics
The operating metrics of HDFC Bank Ltd for Q3 FY26 show a total expense of ₹96,345.46 crores, which is an increase from ₹87,619.91 crores in Q2 FY26 and ₹84,263.78 crores in Q3 FY25, representing QoQ growth of 10.0% and YoY growth of 14.3%. Provisions and contingencies, an essential aspect of the bank's risk management, were reported at ₹3,620.71 crores, reflecting a decrease of 15.4% QoQ and 8.5% YoY. The decline in provisions suggests a change in the bank's approach to managing future credit risk and non-performing assets. The bank's financial health and operational efficiency are further demonstrated by these metrics, even as the expenses have increased over the quarters.