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HDFC Bank (HDFCBANK) investor relations material
HDFC Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary17 Jan, 2026
Executive summary
Credit and deposit growth were strong, with advances up 19.0% YoY and deposits up 12.2% YoY, supported by an easing rate cycle and CRR release, while asset quality remained robust at decadal lows.
Profit after tax for the quarter reached ₹187 bn, with EPS at 12.1 and RoA at 1.92%.
Capital adequacy was healthy at 19.9%, with CET1 at 17.4%.
Branch productivity and expansion supported deposit mobilization, with young branches contributing over 20% of incremental deposits.
Consolidated profit after tax for the quarter was ₹198.1 billion, up 12.2% year-over-year.
Financial highlights
Net interest income grew 6.4% YoY to ₹326.2 bn, with net revenue up 9.0% YoY to ₹458.7 bn and non-interest income up 15.7% YoY to ₹132.5 bn.
Operating expenses for the quarter were ₹179.7 bn, with a core cost-to-income ratio of 39.2%.
Cost of funds declined by 10-11 basis points sequentially, reflecting improved funding mix and rate discipline.
Credit costs, net of recoveries, stood at approximately 37 basis points, stable year-over-year.
LCR reported at 116% for the quarter.
Outlook and guidance
Loan-to-deposit ratio (LDR) is expected to trend downward, targeting 90-96% in FY26 and 85-90% by FY27, contingent on deposit growth and liquidity conditions.
Loan growth is guided to be 2-3 percentage points above the expected system growth of 12-13% for the next year.
Margins are expected to improve over the next 2-3 years as cost of funds continue to decline and CASA growth is prioritized.
Continued focus on expanding branch network and customer base, with 9,616 branches and 21% YoY customer growth.
ESG initiatives target carbon neutrality by FY32 and increased sustainable finance portfolio.
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Next HDFC Bank earnings date
Q4 25/2620 Apr, 2026
HDFC Bank
Next HDFC Bank earnings date
Q4 25/2620 Apr, 2026
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