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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
HDFC Bank
HDFC Bank (HDFCBANK) investor relations material
HDFC Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary17 Jan, 2026
Executive summary
Net revenue for the quarter ended December 31, 2025, grew 8.9% year-over-year to ₹458.7 billion, with net interest income up 6.4% and core net interest margin at 3.35% of total assets.
Profit after tax for the quarter rose 11.5% year-over-year to ₹186.5 billion; for the nine months ended December 31, 2025, PAT was ₹554.5 billion, up 11.5%.
Consolidated profit after tax for the quarter was ₹198.1 billion, up 12.2% year-over-year; for the nine months, it was ₹556.8 billion.
Financial highlights
Total income for the nine months ended December 31, 2025, was ₹2,802.5 billion, up from ₹2,566.6 billion year-over-year.
Operating expenses for the quarter were ₹187.7 billion, with a core cost-to-income ratio of 39.2%.
Provisions and contingencies for the quarter were ₹28.4 billion, with a total credit cost ratio of 0.55%.
Gross advances as of December 31, 2025, were ₹28,446 billion, up 11.9% year-over-year.
CASA deposits comprised 33.6% of total deposits as of December 31, 2025.
Outlook and guidance
The bank continues to monitor regulatory changes, including new labour codes, and will adjust accounting as needed.
Forward-looking statements highlight risks from geopolitical tensions, regulatory changes, and market volatility.
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Next HDFC Bank earnings date
Q4 25/2620 Apr, 2026
HDFC Bank
Next HDFC Bank earnings date
Q4 25/2620 Apr, 2026
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