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HDFC Bank (HDFCBANK) investor relations material
HDFC Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary18 Oct, 2025
Executive summary
Economic activity in India is strengthening, with strong growth in deposits and advances, stable asset quality, and robust profitability; profit after tax for Q2 FY26 reached ₹186.4 billion, with a return on assets of 1.9% and return on equity of 14.4%.
Consolidated profit after tax for the quarter was ₹196.1 billion, up 10.0% year-over-year; for the half year, consolidated PAT was ₹358.7 billion.
The bank maintained a healthy capital adequacy ratio of 20.0% and CET1 at 17.5%.
Investments in technology, digital banking, and distribution are expected to drive operating leverage and customer experience improvements.
Financial highlights
Net interest income for Q2 FY26 was ₹315.5 billion, up 4.8% year-over-year; non-interest income at ₹143.5 billion, up 25.0% year-over-year; net revenue grew 10.4% year-over-year to ₹459.0 billion.
NIM compressed by about 8 basis points due to front-loaded interest rate cuts, but core net interest margin for the quarter was 3.27%.
Cost of funds declined by 18-19 basis points in the quarter, with further improvement expected as deposit repricing continues.
Gross advances as of September 30, 2025, were ₹27,692 billion, up 9.9% year-over-year; deposits were ₹28,018 billion, up 12.1% year-over-year.
Provisions decreased 75.8% quarter-over-quarter but increased 29.6% year-over-year; floating provision of ₹9,000 crore made during the half year.
Outlook and guidance
Deposit pricing tailwinds are expected to support NIM recovery over the next several quarters, assuming stable rates.
The bank targets continued growth in deposits and advances, with a focus on maintaining asset quality and capital strength.
ROA is expected to benefit from cost of funds improvements and operating leverage from technology and distribution investments.
ESG initiatives include a target to be carbon neutral by FY32 and a sustainable finance portfolio at 18.69% of the loan book.
Management highlighted continued focus on expanding the distribution network, digital banking, and maintaining strong asset quality.
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Q3 25/2621 Jan, 2026
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