HDFC Bank (US:HDB)2025-10-18 12:30Financial Performance - The company's Profit After Tax (PAT) for the quarter was ₹186 billion, with a Return on Assets (RoA) of 1.93% and a Return on Equity (RoE) of 14.4%[2] - The Earnings Per Share (EPS) stood at ₹12.1 for the quarter[2, 4] - Net interest income increased by 4% QoQ and 8% YoY to ₹315 billion[6] - Non-interest income decreased by 34% QoQ but remained flat YoY at ₹143 billion[6] Balance Sheet - Average deposits experienced a YoY increase of ₹3.56 trillion (15.1%) and a QoQ increase of ₹0.53 trillion (2.0%)[2] - End of Period (EOP) deposits increased YoY by ₹3.02 trillion (12.1%) and QoQ by ₹0.38 trillion (1.4%)[2] - Average Advances Under Management (AUM) increased YoY by ₹2.31 trillion (9.0%) and QoQ by ₹0.52 trillion (1.9%)[2] - End of Period (EOP) Gross Advances increased YoY by ₹2.50 trillion (9.9%) and QoQ by ₹1.16 trillion (4.4%)[2] Asset Quality - The Gross Non-Performing Asset (GNPA) ratio remained stable at 1.24%, with the ex-agriculture GNPA ratio at 0.99%[2, 4] Capital Adequacy - The Capital Adequacy Ratio (CAR) was reported at 20.0%, with Common Equity Tier 1 (CET1) at 17.5%[4] Subsidiary Performance - HDB Financial Services reported a loan book of ₹1.114 trillion, up by 13.0% YoY and 1.9% sequentially, with a net profit of ₹5.8 billion[53] - HDFC Life Insurance reported Net Premium Income of ₹188 billion, up by 13% YoY, and AUM at ₹3.6 trillion, up by 11% YoY, with a PAT of ₹4.5 billion[54] - HDFC AMC reported a net profit of ₹7.2 billion, grew 24% over prior year[55]