HDB
HDFC Bank Limited
Q4 2025 Report
HDFC Bank Limited (HDB) Q4 2025 Results: Robust Growth Amidst Market Dynamics...
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Executive Summary
In Q1 2026, HDFC Bank Limited reported a revenue of INR 1,330.55 billion, reflecting a year-on-year growth of 13.73%, driven by a solid 8% increase in assets under management. Despite the positive trajectory in revenue, the bank experienced a slight decline in net income by 1.32%, attributed to elevated provisioning and operating costs. The bank's credit deposit ratio improved to 95%, positioning it favorably for future growth as it aims to align with market expectations. Management emphasized the importance of customer-centric initiatives and technological advancements as key enablers of growth. The positive macroeconomic indicators, including stable inflation and supportive fiscal policies, underpin the bank's confidence in achieving sustained growth moving forward.
Key Performance Indicators
Revenue
1,330.55B
QoQ: 91.51% | YoY:13.73%
Gross Profit
790.33B
59.40% margin
QoQ: 13.75% | YoY:-32.45%
Operating Income
208.50B
QoQ: -65.63% | YoY:3 023.42%
Net Income
162.58B
QoQ: -13.68% | YoY:-1.32%
EPS
21.23
QoQ: -13.77% | YoY:-2.03%
Revenue Trend
Margin Analysis
Key Insights
- **Revenue**: INR 1,330.55 billion (YoY: +13.73%, QoQ: +91.51%)
- **Net Income**: INR 162.58 billion (YoY: -1.32%, QoQ: -13.68%)
- **EPS**: INR 21.23 (YoY: -2.03%, QoQ: -13.77%)
- **Gross Profit Margin**: 59.40%
- **Operating Income**: INR 208.50 billion