HDFC Bank Ltd's Q4FY25 Quarter Results
- 20 Apr 2025
Result Summary
- HDFC Bank Ltd reported a 10.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 117.6%.
- Its expenses for the quarter were up by 10.2% QoQ and 149.5% YoY.
- The net profit decreased 1.8% QoQ and increased 42.6% YoY.
- The earnings per share (EPS) of HDFC Bank Ltd stood at 23.1 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 124391.35 | 112193.94 | 57158.84 | 10.9% | 117.6% |
Total Expenses | 92819.42 | 84263.78 | 37197.06 | 10.2% | 149.5% |
Provisions & contingencies | 13810.54 | 3957.29 | 3179.09 | 249.0% | 334.4% |
Profit Before Tax | 17761.39 | 23972.87 | 16782.69 | -25.9% | 5.8% |
Tax | -251.48 | 5632.76 | 4148.68 | -104.5% | -106.1% |
Profit After Tax | 18012.87 | 18340.11 | 12634.01 | -1.8% | 42.6% |
Earnings Per Share | 23.10 | 23.00 | 22.50 | 0.4% | 2.7% |
Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results
Company Overview
HDFC Bank Ltd is a leading financial institution headquartered in India, primarily engaged in offering a comprehensive range of banking and financial services. The company operates predominantly in the banking sector, delivering services such as retail banking, wholesale banking, and treasury operations. As a major player in the Indian banking industry, HDFC Bank provides a wide array of products including loans, credit cards, and savings accounts, catering to both individual customers and corporate clients. While specific recent developments are not provided, HDFC Bank is generally recognized for its robust operational framework and extensive branch network across the country.
Revenue
In the fourth quarter of the fiscal year 2025 (Q4FY25), HDFC Bank Ltd reported a total income of ₹124,391.35 crores, marking a significant quarter-over-quarter (QoQ) increase of 10.9% from ₹112,193.94 crores in Q3FY25. Year-over-year (YoY), total income surged by 117.6% compared to ₹57,158.84 crores in Q4FY24. This substantial growth in total income over the past year reflects a strong performance in the bank's revenue-generating activities. The increase in total income indicates a robust expansion in the bank's operations over both the quarterly and yearly periods.
Profitability
The profitability metrics for HDFC Bank Ltd in Q4FY25 demonstrate varied performance. The bank recorded a Profit Before Tax (PBT) of ₹17,761.39 crores, which reflects a decrease of 25.9% QoQ from ₹23,972.87 crores in Q3FY25, but shows a 5.8% increase YoY from ₹16,782.69 crores in Q4FY24. Profit After Tax (PAT) for Q4FY25 stood at ₹18,012.87 crores, representing a slight decline of 1.8% QoQ from ₹18,340.11 crores in Q3FY25, while achieving a 42.6% YoY increase from ₹12,634.01 crores in Q4FY24. The tax benefit in Q4FY25 was significant, with recorded tax being negative at -₹251.48 crores, contrasting with positive tax payments in the previous periods. The earnings per share (EPS) slightly improved to ₹23.10 in Q4FY25 from ₹23.00 in Q3FY25, and increased from ₹22.50 in Q4FY24, indicating a 2.7% YoY growth.
Operating Metrics
The financial data for Q4FY25 reveals that HDFC Bank Ltd had total expenses amounting to ₹92,819.42 crores, which increased by 10.2% from ₹84,263.78 crores in Q3FY25 and by 149.5% from ₹37,197.06 crores in Q4FY24. Provisions and contingencies were significantly higher in Q4FY25 at ₹13,810.54 crores, up 249.0% QoQ from ₹3,957.29 crores in Q3FY25, and rose 334.4% YoY from ₹3,179.09 crores in Q4FY24. These metrics indicate a substantial rise in operational expenditures and provision allocations, which could be associated with changes in the bank's risk management strategies or macroeconomic conditions affecting the banking sector.
