Q4 Results Updates: HDFC, ICICI Beat Dividend Estimates, Yes Bank Leads Profit Surge On Loan Growth

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On a standalone basis, the second-largest private sector lender's net profit rose 8.5 per cent to Rs 13,702 crore compared to Rs 12,630 crore in the year-ago period. For the recently ended fiscal year 2025-26, its post-tax profit increased 6.2 per cent to Rs 50,147 crore from Rs 47,227 crore in FY25. READ MORE

ICICI Bank Q4 Results Live: ICICI Bank has strong funding and liquidity, according to the management. The West Asia war-led issues are not a concern. The bank saw higher level of recoveries and write backs in corporate portfolio in Q4. There was a decline in revolver rates that has impacted profitability over the years. The management informed that operating expenditure has been inline with bank's expectation, however, it aims to reduce opex growth lower than the topline growth.

ICICI Bank Q4 Results Live: The bank's management said it is trying to ensure employee safety amid the West Asia conflict. ICICI Bank has offices in Dubai, Bahrai. The management said it is too early to assess the hit on remittances. The bank added that it is comfortable with the deposit growth as it is in-line with average deposit growth.

ICICI Bank's LCR is 125% in Q4FY26. The management updated that the deposit growth is adequate and healthy. Technology expenses was 11% of operating expenses.. The underlying credit cost remains pretty stable, it added. However, the growth has been low in credit and card fees income. ICICI Bank does not see any concern in its retail portfolio, as per the management.

HDFC Bank Q4 Results Live: The bank's MD said that RBI's forex move had small impact on balance sheet in Q4. The management added that the lender reported accelerated loan growth in the retail segment. The MD believes that leadership level re-organisation provides cross pollination of knowledge. The management explained that there is a certain level of disruption due to the West Asia conflict. Some impact of West Asia conflict could be seen in Q1. SMEs in some areas may see some challenges, it added. 

HDFC Bank Q4 Results Snapshot
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HDFC Bank Q4 Results Live: HDFC Bank CFO said in the concall that the policy rate transmission on asset side is largely done. The transmission on liabilities side comes with a lag. The long-term NIM will likely be stable for moving higher. Despite NIM contraction in FY26, the bank's RoA remained stable, added the CFO.

HDFC Bank Q4 Results Live: HDFC Bank MD Sashidhar Jagdishan said that he is rooting for Keki Mistry to be the bank's board chairman. However, he added that they bank needs to conclude certain processes first. Keki Mistry is currently the interim chairman of HDFC Bank board

HDFC Bank Q4 Results Live: HDFC Bank's management announced in the concall that the legal review on resignation of former chairman Atanu Chakraborty is under process. The re-appointment of a new CEO will take place in 'due process', added the management. Read More Here

HDFC Bank Q4 Results Live: HDFC Bank MD also added that the bank will improve the quality of deposit franchise. Despite the unprecedented event in March, the bank's deposits continued to grow as the RBI, SEBI gave comfort to investors, as per the management.

A large share of investment is being made in tech. HDFC Bank launched new mobile, net banking platform in FY26. 60 million are registered customer in mobile banking. The MD added that the bank's app is safest among the banking system.

''Next layer built on intelligence, to prepare for AI models. The bank built robust data foundation. Tech investments will aid RoA over the next 2-3 years. Investors in AT-1 bonds were not retail customers, made informed decision on high return investments,'' he added.

HDFC Bank Q4 Results Live: HDFC Bank MD Sashidhar Jagdishan announced in the post-earnings concall that the lender's deposit growth at 14% continues to be faster than credit. The last five years investments are coming to fruit now, as per Jagdishan.

Almost 42% of HDFC Bank customers are less than 40 years of age, which will aid the bank's future business, he added. 13-15% of country's import goes through HDFC Bank. The lender has 22% of credit issuance; while 25% credit card spends on the bank.

HDFC is now among the top two mortgage banks in the country. ''Despite intense competition, execution had been precise. Provision buffer enough to counter any untoward event. CD ratio is not a concern at all. Gained market 30-50 bps more market share over the last five years,'' said the MD.

HDFC Bank Q4 Results Live: HDFC Bank does not see any alarms for loan growth as of now, as per the management. The demand in mortgage book is holding up and deposit mobilisation picked up in February, March 2026. The cost to assets stands at 1.9% for Q4FY26.

The lender saw good traction in personal loans, mortgage since the last three quarters consistently. The bank saw more addition to customer acquisition base. Salary accounts create a base for cross-selling products, said the management. The growth rate in treasury is modest due to lower volumes and spread, it added.

The forex position unwinding has added to a reduced growth rate. Time deposit repricing can continue to be there. The bank does not see any change in time deposit rates for atleast the next four months, according to top officials.

ICICI Bank Q4 Results Live: The lender's management announced that Rs 109 crore trading loss in Q4 was accounted on broader market movements. The bank is trying to get CASA and wants to be preferred bank for customers

The bank was able to maintain margin, but the outlook hinges on multiple macro factors, it added. The bank has liquidity to expand lending base in FY27. ICICI Bank added that the management will continue to monitor geopolitical developments and that it has capital to expand customer base in FY27.

The lender expects NIMs to be range-bound in FY27. The treasury loss in Q4 reflected RBI's forex measures, it added. The treasury loss was nearly Rs 106 crore.

ICICI Bank Q4 Results Live: The bank's total advances were at Rs 15.54 trillion till March 31, up 15.8% YoY

The total deposits were at Rs 17.95 trillion till March 31, up 11.4% YoY

The average current and savings account deposits increased by 11.3% year-on-year and 2.7% sequentially in Q4-2026.

Total period-end deposits increased by 11.4% year-on-year and 8.1% sequentially to Rs 17,94,625 crore (US$ 189.2 billion) at March 31, 2026.

ICICI Bank will pay an interim dividend of Rs 12 per equity share.

The lender has renewed fund raise limit of Rs 25,000 crore via debt and also renewed overseas fund raise limit of $1.5 billion

HDFC Bank Q4 Results Live: HDFC Bank Q4 GNPA ratio at 1.15% vs 1.24% last quarter

Q4 NNPA ratio at 0.38% vs 0.42% last quarter

HDFC Bank to pay final dividend of Rs 13 per share

The bank approved raising Rs 60,000 crore via debt

Yes Bank Q4 Results Live: Yes Bank's management informed that 59% of deposits are coming from branch banking alone. Retail CASA stands at 40%. The lender has further plans for expansion. Deposits will grow in-line with loan growth, according to bank's management. The lender has cut savings account deposit rates more than the industry. Despite the saving account rate cut, deposit growth was reportedly stronger than peers, the management added.

Yes Bank Q4 Results Live: Yes Bank MD said in post-earnings media call that the lender will continue investing in tech, product, processes and people. The ongoing partnership with SMBC provides support in cross border banking. He added that Yes Bank's FY26 net profit rose 45% YoY to Rs 3,476 crore. Rs 800-1,000 crore recovery from security receipts is expected in FY27

The next three years will be focused on posting consistent profits. The asset quality, retail granularity, sustainable RoAs will be in focus. Over a three-year year period, Yes Bank has set a target of 3.25-3.5% NIM. The advances growth picked up, both retail and wholesale loans also grew well. The management added that the bank will grow loans on par with industry in FY27.

ICICI Bank Q4 Results Live: Net Profit Rises 8% To Rs 13,702 Crore

• Total income at Rs 50,584 crore vs Rs 49,691 crore YoY, up 2% YoY, up 3% QoQ
• Interest income at Rs 43,275 crore vs Rs 42,431 crore YoY, up 2% YoY, up 3% QoQ
• Interest expense at Rs 20,296 crore vs Rs 21,238 crore YoY, down -4% YoY, up 1% QoQ
• Net interest income at Rs 22,979 crore vs Rs 21,193 crore YoY, up 8% YoY, up 5% QoQ
• Profit after tax at Rs 13,702 crore vs Rs 12630 crore YoY, up 8% YoY, up 21% QoQ

HDFC Bank Q4 Results Live: Standalone figures

• Net Profit At Rs 19,221 crore Vs Estimate Of Rs 19,053 crore
• Gross NPA At 1.15% Vs Estimate Of 1.2%
• Net NPA At 0.4% Vs Estimate Of 0.4%
• NII At Rs 33,082 crore Vs Estimate Of Rs 33,664 crore
• NII up 3.2% to Rs 33,082 crore Vs Rs 32,066 crore YoY 
• Provisions down 18.3% to Rs 2,610 crore Vs Rs 3,193 crore YoY

• GNPA at Rs 3,605 crore vs Rs 4,015 crore, down -10% QoQ
• NNPA at Rs 653 crore vs Rs 671 crore, down -3% QoQ
• Gross NPA ratio at 1.3% vs 1.5%, down 20 bps QoQ
• Net NPA ratio at 0.2% vs 0.3%, down 10bps QoQ

• Total income at Rs 9,381 crore vs Rs 9,355 crore YoY, up 0% YoY, up 2% QoQ
• Interest income at Rs 7,651 crore vs Rs 7,616 crore YoY, up 0% YoY, up 1% QoQ
• Interest expense at Rs 5,013 crore vs Rs 5,340 crore YoY, down -6% YoY, down -1% QoQ
• Net interest income at Rs 2,638 crore vs Rs 2,276 crore YoY, up 16% YoY, up 7% QoQ
• Other income at Rs 1,730 crore vs Rs 1,739 crore YoY, down -1% YoY, up 6% QoQ
• Operating profit at Rs 1,618 crore vs Rs 1,314 crore YoY, up 23% YoY, up 31% QoQ

• YES Bank Q4FY26 PAT up 44% YoY at Rs 1,068.42 crore
• YES Bank Q4 NII at Rs 2,638 crore vs Rs 2,466 crore last quarter
• YES Bank Q4 GNPA ratio at 1.3%, NNPA 0.2%
• YES Bank Q3 GNPA ratio was 1.5%, NNPA 0.3%
• Return on Assets at 1% vs 0.9%, up 10 bps QoQ

ICICI Bank Q4 Results Live: The historical data shows earlier payouts of Rs 1 in FY19, Rs 1.5 in FY18, Rs 2.5 in FY17, Rs 5 in FY16 and Rs 5 in FY15. The dividend in FY14 stood at Rs 23 per share.

ICICI Bank Dividend History
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ICICI Bank Q4 Results Live: ICICI Bank has announced only a final dividend in the year-end period over the past few years, with no interim dividend during that time. Its recent payout history also shows a steady rise after FY20.

ICICI Bank declared no dividend in FY20. It then announced Rs 2 per share in FY21, Rs 5 in FY22, Rs 8 in FY23, Rs 10 in FY24 and Rs 11 in FY25. The progression has kept market attention on whether FY26 could bring another increase.

ICICI Bank Q4 Results Live: ICICI Bank's dividend announcement is in focus as market estimates point to a possible record payout in more than a decade. Bloomberg estimates for FY26 peg the expected dividend at Rs 11.7 per share. 

If the lender declares that amount, it would be its highest dividend in 12 years, based on the historical data. The final number, however, may vary sharply from current projections.

Bloomberg estimates show the highest forecast at Rs 13.98 per share, while the lowest stands at Rs 9.5 per share. The range signals differing expectations ahead of the year-end decision. Read More Here

ICICI Bank Q4 Results Live: The focus this quarter will be whether ICICI Bank can sustain strong retail and small business loan momentum while protecting margins in a competitive rate environment. Investors will also watch if lower slippages and contained credit costs can continue to support returns as growth normalises in FY27.

ICICI Bank Q4 Results Live: ICICI Bank Ltd. is expected to report steady profit in the March quarter despite a sharp rise in provisions, with higher net interest income and improving asset quality helping offset softer net interest margins. The bank is scheduled to announce its quartely results on April 18.

Bloomberg estimates indicate net interest income may rise 7.1% year-on-year, while profit is seen little changed. Provisions are expected to increase 65% from a year earlier. Gross non-performing assets are projected to improve sequentially, while net interest margin is seen moderating from the previous quarter. Read More Here

HDFC Bank Q4 Results Live: For FY25, HDFC Bank announced a dividend of Rs 11 per share against Bloomberg estimates of Rs 10.38 per share.

For FY24, the bank declared Rs 9.75 per share, above estimates of Rs 9.25 per share.

For FY23, the actual dividend stood at Rs 9.5 per share versus estimates of Rs 7.37 per share.

For FY22, the bank paid Rs 7.75 per share, higher than estimates of Rs 5.76 per share.

Earlier years showed a mixed trend. For FY21, the dividend was Rs 3.25 per share against estimates of Rs 5.02 per share.

For FY20, the bank paid Rs 2.5 per share versus estimates of Rs 5.01 per share.

For FY19, the payout was Rs 3.75 per share against estimates of Rs 3.78 per share.

For FY18, the dividend stood at Rs 3.25 per share compared with estimates of Rs 3.28 per share

HDFC Bank Dividend trends
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HDFC Bank Q4 Results Live: HDFC Bank could announce a final dividend of about Rs 8 per share for FY26, based on Bloomberg estimates and after accounting for the Rs 5 per share special dividend already declared during the year. The key question for investors is whether the country's largest private lender will meet that implied expectation or exceed forecasts for a fifth straight fiscal year.

Bloomberg estimates place FY26 dividend expectations at Rs 13.08 per share. With Rs 5 per share already announced as a special dividend, the implied balance payout works out to about Rs 8 per share if the bank matches the consensus estimate.

That has drawn attention because HDFC Bank has beaten Bloomberg dividend estimates in each of the past four fiscals, extending a pattern of payouts above market expectations. Read More Here

HDFC Bank Q4 Results Live: The key questions this quarter are whether deposit growth remains strong enough to support faster loan expansion, how quickly net interest margins can stabilise after rate-cut transmission, and whether asset quality stays benign after elevated agricultural slippages in the previous quarter. Commentary on growth priorities after the recent chairman transition will also be closely watched.

HDFC Bank Q4 Results Live: HDFC Bank is expected to report higher profit in the March quarter, supported by growth in net interest income and steady asset quality, even as net interest margins remain under pressure from policy rate transmission. 

Bloomberg estimates indicate net interest income may rise 4.9% year-on-year, while profit is seen up 8%. Provisions are expected to increase 7.9%, while net interest margin is seen moderating to 3.39% from 3.46%. Read More Here

Q4 Results Live Updates: Five Key Things To Watch

-The key commentary this earnings season will centre on deposit mobilisation, loan demand, unsecured retail and microfinance stress, credit costs, and the pace of NIM recovery in FY27.

-Investors will also watch whether geopolitical tensions and higher funding costs begin to affect growth trends in the new financial year.

-Brokerages expect earnings to be supported by stronger advances growth and contained credit costs across large lenders.

-Net interest income is seen growing in the high single to low double digits for several banks, though profit growth could be moderated by weaker trading gains.

-Net interest margins are expected to diverge across lenders, with some banks benefiting from deposit repricing while others absorb the full impact of the December repo rate cut.

Q4 Results Live Updates: India's banks are expected to report a steady March-quarter performance, with healthy loan growth and stable asset quality, while net interest margins are seen largely range-bound and treasury income may soften after the rise in bond yields. Read more here

Brokerages expect earnings to be supported by stronger advances growth and contained credit costs across large lenders. Global brokerage Citi expects 8%-10% year-on-year growth in net interest income, pre-provision operating profit growth of 8%-10%, and profit growth of 12%-15% in Q4 FY26.

Q4 Results Live Updates: Hello and welcome to NDTV Profit's live coverage of Q4 earnings on April 18, 2026! Stay tuned to our live blog for all major updates on Q4 earnings results throughout the day.

Among the most notable earnings to come out today are India's leading private banks HDFC Bank, ICICI Bank, and Yes Bank. Watch this space for more!