HDFC银行二季度净利1951亿卢比增4.7% 净利息收入增9.7% 不良率降至1.11%
孟买讯——印度最大的私营银行HDFC Bank（纽交所：HDB）10月17日公布截至2026年9月30日的2027财年第二季度业绩，董事会于同日批准该季报。单体净利润为1951亿卢比（约20.5亿美元），上年同期为1864.1亿卢比，同比增长4.7%；合并净利润为2070亿卢比。
净利息收入同比增长9.7%至3461.9亿卢比，贷款总额同比增长16.3%。其他收入同比下降3.6%至1383.1亿卢比，其中交易收益由上年同期的239亿卢比降至78亿卢比，拖累非利息收入表现；手续费及佣金收入增至969亿卢比。贷款损失及其他拨备同比微增2%至357.4亿卢比。
资产质量改善：不良贷款率由6月末的1.17%及上年同期的1.24%降至1.11%，净不良率降至0.37%。期末总存款同比增长18.8%至33.27万亿卢比，存贷比为96.0%。公司同时披露领导层变动：来自ICICI集团的阿努普·巴格奇（Anup Bagchi）将于10月27日起接任董事总经理兼首席执行官，任期三年，成为该行首位外部出身的首席执行官。
HDFC Bank Q2 Net Profit Rises 4.7% to Rs 195.10 Billion as NII Grows 9.7% and Gross NPA Falls to 1.11%
MUMBAI — HDFC Bank (NYSE: HDB), India's largest private-sector lender, reported results for the second quarter of fiscal 2027, ended September 30, 2026, on October 17, with the board approving the results the same day. Standalone net profit was Rs 195.10 billion (about $2.05 billion), up 4.7% from Rs 186.41 billion a year earlier, while consolidated net profit reached Rs 207.00 billion.
Net interest income rose 9.7% to Rs 346.19 billion, and gross advances grew 16.3% year over year. Other income fell 3.6% to Rs 138.31 billion as treasury trading gains slumped to Rs 7.8 billion from Rs 23.9 billion a year earlier, partly offset by fees and commissions rising to Rs 96.9 billion. Provisions for bad loans and other contingencies rose 2.1% to Rs 35.74 billion.
Asset quality improved: the gross non-performing asset ratio was 1.11% at the end of September, compared with 1.17% at the end of June and 1.24% a year earlier, and the net NPA ratio was 0.37%. Total deposits grew 18.8% year over year to Rs 33.27 trillion, and the credit-to-deposit ratio stood at 96.0%. The bank also faces a leadership change: Anup Bagchi, a veteran of the ICICI group, takes over as managing director and CEO for three years from October 27, becoming HDFC Bank's first external chief executive.
发布：GSM·美国（发布链接）
图片来源：HDFC 银行资料图（Wikimedia Commons） / HDFC Bank image (Wikimedia Commons)
GSM Global · 本篇英文版 English edition of this story
