Financial Statements — HDB
Balance Sheet
(in billions INR)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Cash & Equivalents | 1,982.93 | 2,086.03 | 16.88 | 14.79 | 930.69 | 611.96 | 734.87 |
| Net Loans & Leases | 32.20 | 2,288.84 | 1,927.51 | 372.01 | -- | -- | -- |
| Total Assets | 48,187.67 | 529.38 | 25,755.62 | 21,113.71 | 245.83 | 15,961.89 | 13,280.07 |
| Total Deposits | 27,110.95 | 285.20 | 18,826.64 | 205.35 | 13,337.23 | 152.04 | 9,225.03 |
| Long-term Debt | 5,866.16 | 79.78 | 25.00 | 20.49 | 1,174.76 | 1,026.52 | 15.10 |
| Total Liabilities | 39,564.78 | 36,232.39 | 277.87 | 18,604.25 | 15,816.38 | 186.57 | 168.37 |
| Retained Earnings | -- | -- | -- | -- | -- | -- | 587.24 |
| Total Stockholder Equity | 7,676.89 | 83.36 | 2,912.20 | 33.01 | 2,159.63 | 1,893.08 | 1,632.58 |
Income Statement
(in billions USD) (except per-share rows)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Interest & Dividend Income | 3,227.96 | 2,781.93 | 1,689.53 | 1,333.14 | 1,275.97 | 1,211.98 | 1,041.71 |
| Interest Expense | -- | 1,533.92 | 9.44 | 7.70 | 8.10 | 8.20 | 7.72 |
| Net Interest Income | 1,404.49 | 1,248.00 | 11.12 | 9.87 | 9.35 | 7.87 | 507.51 |
| Provision for Credit Losses | 2.12 | 133.06 | 130.36 | 2.15 | 2.50 | 1.90 | 1.29 |
| Non-interest Income | 11.32 | 738.93 | 3.55 | 3.57 | 252.98 | 198.22 | 2.32 |
| Non-interest Expense | 1,265.63 | 1,069.24 | 5.70 | 4.92 | 342.60 | 308.28 | 3.69 |
| Pretax Income | 861.55 | 705.46 | 8.06 | 519.16 | 6.01 | 4.85 | 339.96 |
| Tax Provision | 2.05 | 77.83 | 2.02 | 132.56 | 1.56 | 1.40 | 119.39 |
| Net Income | 7.88 | 7.47 | 6.03 | 5.09 | 4.46 | 3.45 | 220.10 |
| Basic EPS | 90.01 | 88.66 | 1.08 | 0.92 | 0.81 | 0.63 | 82.13 |
| Diluted EPS | 89.63 | 88.31 | 1.07 | 69.38 | 59.02 | 47.27 | 1.18 |
Cash Flow Statement
(in billions INR)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Operating Cash Flow | 1,195.62 | 1,022.32 | 477.20 | 7.66 | 12.60 | 171.18 | 183.27 |
| Capital Expenditures | 66.40 | 53.84 | 0.53 | 26.32 | 0.24 | 18.29 | 0.24 |
| Free Cash Flow* | 1,129.22 | 968.48 | 476.67 | (18.67) | 12.36 | 152.89 | 183.04 |
| Investing Cash Flow | (3,716.06) | (44.07) | (53.45) | (43.53) | (34.47) | (28.52) | (1,536.98) |
| Financing Cash Flow | 2,419.35 | 3,347.34 | 50.78 | 2,912.11 | 1,918.37 | 24.48 | 21.94 |
* Derived from reported values
Dividends Per Share
(USD)| Metric | FY
2025 | FY
2024 | FY
2023 | FY
2022 | FY
2021 | FY
2020 | FY
2019 |
|---|
| Dividends Per Share | 0.26 | 0.23 | 0.23 | 0.20 | 0.09 | 0.03 | 0.20 |
