Written by Hitesh VyasMumbai | January 18, 2026 04:29 AM IST 2 min readTotal Capital Adequacy Ratio as per Basel Ill guidelines stood at 19.9 per cent as on December 31, 2025, compared to 20 per cent as in the year-ago quarter. Tier 1 CAR was at 17.8 per cent and Common Equity Tier 1 capital ratio was at 17.4 per cent as of December 31, 2025.HDFC Bank reported an 11.5 per cent jump in profit after tax at Rs 18,653.75 crore in the quarter ended December, from Rs 16,735.50 crore in the year-ago quarter.Net interest income, which is interest earned less interest expended, grew by 6.4 per cent to Rs 32,620 crore from Rs 30,650 crore for the quarter ended December 31, 2024. Core net interest margin was at 3.35 per cent on total assets, and 3.51 per cent based on interest earning assets.Operating expenses for the quarter ended December 31, 2025 were Rs 18,770 crore. Operating expenses excluding the estimated impact of Rs 800 crore for employee benefits under the New Labour Code were Rs 17,970 crore, as against Rs 17,110 crore during the corresponding quarter of the previous year.Gross non-performing assets stood at 1.24 per cent of gross advances as on December 31, 2025, as against 1.42 per cent as on December 31, 2024. Net non-performing assets were at 0.42 per cent compared to 0.46 per cent. Gross advances rose by 11.9 per cent at Rs 28,44,600 crore as of December 31, 2025.HDFC’s retail loans grew by 6.9 per cent, small and mid-market enterprise loans rose 17.2 per cent and corporate and other wholesale loans grew by 10.3 per cent. Overseas advances made up 1.7 per cent of total advances. Deposits grew by 11.6 per cent at Rs 28,60,100 crore as of December 31, 2025.Total Capital Adequacy Ratio as per Basel Ill guidelines stood at 19.9 per cent as on December 31, 2025, compared to 20 per cent as in the year-ago quarter. Tier 1 CAR was at 17.8 per cent and Common Equity Tier 1 capital ratio was at 17.4 per cent as of December 31, 2025. © The Indian Express Pvt Ltd