HDFC Bank Ltd.HDFCBANK₹1,995.00 +1.92%

Net Interest Income ₹31,440 crores 🔼 5%

PAT ₹18,160 crores 🔼 12%

HDFC Bank Ltd.‘s ₹91.3 billion transaction gain from the partial IPO of HDB Financial Services significantly lifted other income and overall revenue for the quarter.

Core net interest margin fell to 3.35%, as loan yields repriced slower than deposit costs.

Average deposits rose 16.4% YoY, but a higher share of term deposits led to a CASA ratio decline to 33.9%.

The board declared a special interim dividend of ₹5 per equity share.

ICICI Bank Ltd.ICICIBANK₹1,458.70 +2.31%

Net Interest Income ₹21,635 crores 🔼 11%

PAT ₹12,768 crores 🔼 16%

ICICI Bank Ltd.‘s core operating profit grew 13.6% YoY, supported by healthy growth in both net interest income and non-interest income.

Profit before tax (excluding treasury) rose 11.4% YoY, and profit after tax grew 15.5% YoY, led by stable operating performance and controlled costs.

Total deposits rose 12.8% YoY, with average current account deposits up 11.2% YoY and average savings account deposits up 7.6% YoY, supporting a steady CASA ratio at ~39%.

Domestic loans grew 12% YoY, with business banking loans growing sharply by 29.7% YoY. 

Au Small Finance Bank Ltd.AUBANK₹753.25 -5.24%

Net Interest Income ₹2,045 crores 🔼 6%

PAT ₹12,768 crores 🔼 15.5%

Au Small Finance Bank Ltd.‘s deposits rose 31% YoY, significantly outpacing industry growth of ~10%. 

Gross loans grew 18% YoY to ₹1.18 lakh crore, led by a 22% YoY increase in secured loans (~90% of the portfolio). 

PAT rose 16% YoY despite a ~38 bps drop in NIMs to 5.4% due to a shift in loan mix and excess liquidity. Strong treasury gains and cost control offset lower loan yields and elevated credit costs.

Punjab & Sind BankPSB₹32.17 -0.34%

Net Interest Income ₹900 crores 🔼 6%

PAT ₹269 crores 🔼 48%

Punjab & Sind Bank‘s net profit surged 48% year-on-year, supported by a sharp 70% jump in operating profit. This was driven by higher non-interest income (up 142%) and controlled costs.

Total business grew nearly 11% YoY, with advances rising 14% and deposits up 9%. Within advances, retail loans grew strongly at 29%, led by vehicle loans (+41%), gold loans (+40%), and home loans (+24%).

Cost-to-income ratio improved significantly from 69.7% to 60.6%, reflecting better operating leverage.

Strong non-interest income, steady loan growth in retail and MSME segments, sharply improved asset quality, and better cost control supported overall profitability expansion.

Note: The stock prices mentioned are as of 12:50 PM.

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