HDFC银行（HDB）2026财年第三季度投资者演示报告「NASDAQ」（英文版）（37页）.pdf

1、Classification-ConfidentialClassification-ConfidentialQ3FY26 EarningsJanuary 17,2026PresentationHDFC Bank Presentation Q3 FY20262Key performance metrics for Q3 FY26Deposits;average YoY 3.00 tn(12.2%);EOP YoY 2.96 tn(11.6%)Average deposits QoQ 0.42 tn(1.5%);EOP QoQ 0.58 tn(2.1%)Average CASA QoQ 0.21

2、tn(2.4%);EOP QoQ 0.12 tn(1.3%)Average time deposits QoQ 0.21 tn(1.1%);EOP QoQ 0.46 tn(2.5%)AUM;average YoY 2.36 tn(9.0%);EOP YoY 2.62 tn(9.8%)Average AUM;QoQ 0.70 tn(2.5%);EOP QoQ 0.77 tn(2.7%)Gross Advances;average YoY 2.47 tn(9.8%);EOP YoY 3.02 tn(11.9%)Average Gross Advances;QoQ 0.78 tn(2.9%);EOP

3、 QoQ 0.75 tn(2.7%)Asset quality continues to remain stable;GNPA ratio at 1.24%;ex-agri at 0.97%PAT for the quarter 187 bn;RoA of 1.92%;RoE of 13.9%;Standalone EPS 12.1 for the quarterHDFC Bank Presentation Q3 FY20263Key financial parameters for Q3 FY26Average deposits at 27,524 bn,12.2%YoY;1.5%QoQAv

4、erage advances under management at 28,641 bn,9.0%YoY;2.5%QoQNet interest margin(NIM)of 3.35%Core cost-to-income ratio of 39.2%Gross NPA at 1.24%,ex-agri0.97%Profit after tax of 187 bn,EPSfor the quarter 12.1Return on assets of 1.9%Capital adequacy ratio at 19.9%of which CET1 at 17.4%Standalone India

5、n GAAP figures(bn=Billion);=Rupees;based on total assetsSTANDALONE*excludes estimated impact of employee benefits under new labour codeHDFC Bank Presentation Q3 FY20264STANDALONEIncome statementP&L(bn)Q3 FY25Q2 FY26Q3 FY26QoQYoYNet interest income306.5315.5326.23.4%6.4%Non-interest income114.5143.51

6、32.5(7.7%)15.7%Net revenue421.0459.0458.7(0.1%)9.0%Operating expenses171.1179.8179.7(0.1%)5.0%Provisions-EB under NLC-8.0nmnmProvisions31.535.028.4(18.9%)(10.0%)Profit before tax218.5244.2242.6(0.7%)11.0%Profit after tax167.4186.4186.50.1%11.5%Certain figures reported above will not add-up due to ro