### Q3 FY26 Banking Results: A Mixed Bag for Major Indian Banks In the third quarter of FY26, several major Indian banks reported their financial results, showcasing a blend of profitability growth and challenges in net interest income (NII). HDFC Bank, IDBI Bank, RBL Bank, and YES Bank were among the key players whose results highlighted the ongoing dynamics in the banking sector. While HDFC Bank and YES Bank showed significant profit increases, IDBI Bank faced a decline in NII, and RBL Bank's profit was impacted by one-off expenses. *HDFC Bank's net profit rose by 11.5% YoY, while IDBI Bank's profit increased by a modest 1.4% despite a significant drop in NII. RBL Bank reported a multifold increase in profit, but its results were affected by pre-tax expenses. YES Bank also saw a robust profit growth of 55% YoY, maintaining stable asset quality.* ### Breakdown of Q3 FY26 Results by Bank 1. **HDFC Bank** - **Profit Growth**: Net profit increased by **11.5% YoY** to ₹18,654 crore, with a consolidated profit of ₹19,807 crore, up **12.2% YoY** [https://www.livemint.com/market/stock-market-news/hdfc-bank-q3-results-profit-interest-income-nii-nim-11768635575674.html]. - **NII Performance**: NII rose by **6.4% YoY** to ₹32,615 crore [https://www.livemint.com/market/stock-market-news/hdfc-bank-q3-results-2026-live-hdfc-bank-q3-earnings-hdfc-bank-share-price-profit-nii-margin-loan-growth-17-january-2026/amp-11768628797808.html]. 2. **IDBI Bank** - **Profit Growth**: Reported a **1.4% increase** in net profit to ₹1,935 crore [https://www.livemint.com/market/stock-market-news/idbi-bank-q3-results-net-profit-jumps-1-4-at-rs-1-935-crore-from-last-year-11768640235125.html]. - **NII Decline**: NII fell by **24% YoY** to ₹3,209 crore [https://www.cnbctv18.com/market/idbi-bank-share-price-q3-results-net-profit-nii-gross-net-npa-asset-quality-19822939.htm]. 3. **RBL Bank** - **Profit Growth**: Net profit surged to ₹214 crore, significantly up from ₹32 crore in the previous year [https://upstox.com/news/market-news/earnings/rbl-bank-s-net-profit-soars-multifold-to-213-crore-in-q3-fy-26-gnpa-and-nnpa-improves-at-1-8-and-0-5/article-187910]. - **NII Increase**: NII grew by **5% YoY** [https://www.livemint.com/market/stock-market-news/rbl-bank-q3-results-net-profit-at-214-crore-nii-up-5-yoy-11768636171928.html]. 4. **YES Bank** - **Profit Growth**: Net profit soared by **55% YoY** to ₹952 crore, supported by an **11% rise** in NII [https://upstox.com/news/market-news/earnings/yes-bank-q3-results-net-profit-soars-55-yo-y-to-612-crore-net-interest-income-rises-11/article-187911]. - **Asset Quality**: GNPAs slightly improved to **1.5%** from 1.6% in the previous quarter [https://www.cnbctv18.com/market/yes-bank-q3-results-profit-jumps-55-pc-as-asset-quality-steady-nii-rises-ws-l-19822914.htm]. ### Key Financial Metrics Summary | Bank | Net Profit (₹ Crore) | YoY Growth (%) | NII (₹ Crore) | NII Change (%) | |---------------|-----------------------|----------------|----------------|-----------------| | HDFC Bank | 18,654 | 11.5 | 32,615 | 6.4 | | IDBI Bank | 1,935 | 1.4 | 3,209 | -24 | | RBL Bank | 214 | Multifold | N/A | 5 | | YES Bank | 952 | 55 | N/A | 11 | *The results indicate a diverse performance landscape among Indian banks, with some achieving significant profit growth while others grapple with declining NII and asset quality issues. The overall banking sector continues to navigate challenges while capitalizing on growth opportunities.* ### Conclusion: A Diverse Performance Landscape In summary, the Q3 FY26 results for major Indian banks reveal a **mixed performance** characterized by: 1. **Strong Profit Growth**: HDFC Bank and YES Bank reported significant profit increases, indicating robust operational performance. 2. **NII Challenges**: IDBI Bank faced a notable decline in NII, highlighting sector-wide challenges in maintaining interest income. 3. **Asset Quality Improvements**: RBL Bank and YES Bank showed improvements in asset quality, which is crucial for long-term stability. *The banking sector's ability to adapt to changing economic conditions will be critical as it moves forward into the next quarters.* [https://www.livemint.com/market/stock-market-news/hdfc-bank-q3-results-preview-net-profit-likely-to-rise-11-nii-to-remain-healthy-11768618882919.html]