HDFC Bank announced Q4FY25 & FY25 results Consolidated Q4FY25 Financial Highlights: Consolidated net revenue was Rs 732.8 billion for Q4FY25. Consolidated profit after tax for Q4FY25 was Rs 188.3 billion. Earnings per share for Q4FY25 was Rs 24.6 and Rs 92.8 for FY25. Book value per share as of March 31, 2025 was Rs 681.9 during March 31, 2024. Standalone Q4FY25 Financial Highlights: The Bank's net revenue was Rs 440.9 billion for Q4FY25 as against Rs 472.4 billion (which included transaction gains of Rs 73.4 billion from stake sale in subsidiary HDFC Credila Financial Services Ltd) for Q4FY24. Net interest income (interest earned less interest expended) for Q4FY25 grew by 10.3% to Rs 320.7 billion from Rs 290.8 billion for Q4FY24. Net interest margin was at 3.54% on total assets, and 3.73% based on interest earning assets. Excluding Rs 7 billion of interest on income tax refund, core net interest margin was at 3.46% on total assets, and 3.65% based on interest earning assets. Other income (non"interest revenue) for Q4FY25 was Rs 120.3 billion. The four components of other income for Q4FY25 were fees & commissions of Rs 85.3 billion (Rs 79.9 billion in Q4FY24), foreign exchange & derivatives revenue of Rs 14.4 billion (Rs 11.4 billion in Q4FY24), net trading and mark to market gain of Rs 3.9 billion (gain of Rs 75.9 billion including transaction gains of Rs 73.4 billion in Q4FY24) and miscellaneous income, including recoveries and dividend of Rs 16.7 billion (Rs 14.4 billion in Q4FY24). Operating expenses for Q4FY25 were Rs 175.6 billion as against Rs 179.7 billion (which included staff ex-gratia provision of Rs 15.0 billion) during Q4FY24. The cost-to-income ratio for the quarter was at 39.8%. Provisions and contingencies for Q4FY25 were Rs 31.9 billion as against Rs 135.1 billion (which included floating provisions of Rs 109.0 billion) for Q4FY24. Profit before tax (PST) for Q4FY25 was at Rs 233.4 billion. Profit after tax (PAT) for the quarter was at Rs 176.2 billion. PAT, adjusted for trading and mark to market gains, prior year one-off provisions and prior year tax credits, grew by approximately 10% over Q4FY24. FY25 Financial Highlights: The Bank earned a total income of Rs 3,461.5 billion as against Rs 3,075.8 billion in FY24. Net revenues (net interest income plus other income) for the year ended March 31, 2025 were Rs 1,683.0 billion, as against Rs 1,577.7 billion for FY24. Profit after tax for FY25 was Rs 673.5 billion, up by 10.7% over FY24. The Bank's total Capital Adequacy Ratio (CAR) as per Basel Ill guidelines was at 19.6% as on March 31, 2025 (18.8% as on March 31, 2024) as against a regulatory requirement of 11. 7%. Tier 1 CAR was at 17.7% and Common Equity Tier 1 Capital ratio was at 17.2% as of March 31, 2025. Risk-weighted Assets were at Rs 26,600 billion. The Board of Directors recommended a dividend of Rs 22.0 per equity share of Rs 1 for FY25. This would be subject to approval by the shareholders at the next annual general meeting. Result PDF