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HDFC BANK We understand your world Exhibit 99 HDFC BANK LIMITED CIN : L65920MH1994PLC080618 Sandoz House , Shivsagar Estate , Dr. Annie Besant Road , Worli , Mumbai 400 018 . Website : https://www.hdfc.bank.in , Tel .: 022- 6652 1000 , Fax : 022-2496 0739 UNAUDITED CONSOLIDATED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30 , 2026 ( in crore ) Quarter ended Half year ended 30.09.2026 30.06.2026 30.09.2025 30.09.2026 Particulars 1 Interest earned ( a ) + ( b ) + ( c ) + ( d ) Unaudited Unaudited Unaudited Unaudited 30.09.2025 Unaudited Year ended 31.03.2026 Audited 95131.63 90575.33 86993.84 185706.96 174365.71 348615.15 a ) Interest discount on advances / bills 70049.53 66406.51 63309.67 136456.04 127457.58 256192.47 b ) Income on investments 22101.42 20753.16 21328.37 42854.58 42145.54 82656.87 c ) Interest on balances with Reserve Bank of India and other inter - bank funds 1560.46 1599.37 738.86 3159.83 1565.30 3457.06 d ) Others 1420.22 1816.29 1616.94 3236.51 3197.29 6308.75 2 Other income ( a ) + ( b ) 34227.06 42535.03 31566.79 76762.09 77249.89 146847.66 a ) Premium and other operating income from insurance business 23640.43 18353.92 20510.43 41994.35 36583.80 84160.02 b ) Others ( Refer note 8 ) 10586.63 24181.11 11056.36 34767.74 40666.09 62687.64 3 Total income ( 1 ) + ( 2 ) 129358.69 133110.36 118560.63 262469.05 251615.60 495462.81 4 Interest expended 50667.43 47625.63 46740.86 98293.06 94449.37 185491.23 5 Operating expenses ( i ) + ( ii ) + ( iii ) 45819.72 54488.73 40879.05 100308.45 90062.05 181173.91 i ) Employees cost 9774.20 9342.49 9317.56 19116.69 18215.02 37604.81 ii ) Claims and benefits paid and other expenses pertaining to insurance business 22518.74 32177.54 18988.69 54696.28 47061.61 92340.22 iii ) Other operating expenses 13526.78 12968.70 12572.80 26495.48 24785.42 51228.88 6 Total expenditure ( 4 ) + ( 5 ) ( excluding provisions and contingencies ) 96487.15 102114.36 87619.91 198601.51 184511.42 366665.14 7 Operating profit before provisions and contingencies ( 3 ) - ( 6 ) 32871.54 30996.00 30940.72 63867.54 67104.18 128797.67 8 Provisions ( other than tax ) and contingencies ( Refer note 7 ) 4209.00 3802.84 4281.83 8011.84 19595.46 26656.22 9 Exceptional items 10 Profit from ordinary activities before tax and minority interest ( 7 ) - ( 8 ) - ( 9 ) 28662.54 27193.16 26658.89 11 Tax expense 7125.45 6810.47 6295.12 55855.70 13935.92 47508.72 10054.52 102141.45 22921.99 12 Net profit from ordinary activities after tax and before minority interest ( 10 ) - ( 11 ) 21537.09 20382.69 20363.77 41919.78 37454.20 79219.46 13 Extraordinary items ( net of tax expense ) 14 Net profit for the period before minority interest ( 12 ) - ( 13 ) 21537.09 20382.69 20363.77 41919.78 37454.20 79219.46 15 Less : Minority interest 16 Net profit for the period ( 14 ) - ( 15 ) 837.06 20700.03 1137.98 19244.71 753.10 19610.67 1975.04 39944.74 1585.62 35868.58 3193.49 76025.97 17 Paid up equity share capital ( Face value of 1 / - each ) 1541.86 1540.13 1536.37 1541.86 1536.37 18 Reserves excluding revaluation reserves 1539.34 579975.02 19 Analytical Ratios and other disclosures : ( i ) Percentage of shares held by Government of India Nil Nil Nil Nil Nil Nil ( ii ) Earnings per share ( EPS ) ( * ) ( Face value of 1 / - each ) : ( a ) Basic EPS before & after extraordinary items ( net of tax expense ) - not annualized 13.43 12.50 12.78 25.93 23.39 49.50 ( b ) Diluted EPS before & after extraordinary items ( net of tax expense ) - not annualized 13.41 12.47 12.71 25.87 23.27 49.28 Regd . Office : HDFC Bank Ltd. , HDFC Bank House , Senapati Bapat Marg , Lower Parel ( West ) , Mumbai - 400013 .