Banks & Finance · Regional Banks
HDFC Bank of Sri Lanka is a specialised, state-backed retail bank focused on housing finance and related consumer lending for underserved low- and middle-income segments.
HDFC shares are up 48.9% over the past year and last closed at Rs 64.90 on Sep 30, 2026.
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -1.7 | -5.1 | -12.0 | +40.8 | +9.6 | -1.9 | -9.7 | +3.1 | -6.0 | +0.0 | +0.0 | +0.0 |
| 2025 | +7.7 | -12.3 | -4.3 | -8.3 | +2.9 | +5.7 | +1.6 | +2.4 | -5.8 | +1.4 | +36.1 | -3.3 |
| 2024 | -8.5 | +5.2 | +4.9 | +8.4 | -6.3 | +10.8 | -13.9 | -1.3 | +12.1 | +2.9 | -3.4 | +44.3 |
| 2023 | -9.7 | +7.6 | +3.3 | +2.2 | -6.3 | +6.7 | +19.6 | +0.0 | -0.6 | -8.6 | +1.0 | +1.3 |
| 2022 | +17.7 | +1.1 | -14.0 | +5.8 | -27.6 | +3.8 | -7.3 | +8.3 | +22.5 | +8.2 | -18.2 | +3.0 |
| 2021 | +22.5 | -11.6 | -12.1 | +12.6 | -5.9 | +2.3 | -3.3 | -2.9 | -4.1 | +5.8 | -8.7 | -3.2 |
| 2020 | -11.0 | -8.5 | -22.7 | +0.0 | +0.0 | +18.2 | -1.9 | +24.3 | +12.0 | -5.6 | +6.0 | -1.1 |
| 2019 | +7.7 | -5.4 | -1.9 | +0.0 | -7.7 | +1.7 | +27.5 | -6.1 | -1.4 | +5.9 | +4.9 | -0.3 |
| 2018 | -2.1 | +2.8 | +2.1 | +0.0 | -10.4 | -6.7 | -8.9 | +5.9 | -8.9 | +9.8 | +7.0 | -10.0 |
| 2017 | -8.3 | -9.7 | -7.7 | +34.7 | -6.2 | -5.5 | -3.5 | -8.4 | -1.1 | +1.3 | -8.4 | -6.6 |
| 2016 | -11.2 | -12.6 | -1.0 | +16.7 | -6.7 | -8.7 | +3.5 | +0.0 | +1.9 | -4.6 | -5.8 | -2.9 |
| 2015 | +4.4 | -2.8 | -10.6 | +9.2 | +6.9 | -2.1 | +4.2 | +1.7 | -9.1 | +7.6 | -3.2 | -2.5 |
| 2014 | +24.1 | -11.6 | -0.9 | +20.0 | -7.7 | -1.1 | +26.4 | +14.7 | +22.5 | +7.6 | -8.2 | +5.9 |
| 2013 | -2.0 | -9.3 | -11.1 | +10.5 | -0.2 | -9.8 | -7.0 | -18.9 | -6.7 | +10.4 | +1.6 | -4.8 |
| 2012 | +0.0 | +0.0 | +0.0 | -11.3 | -25.9 | +34.0 | -12.6 | +0.9 | +23.1 | -9.5 | -16.7 | +2.4 |
| Average | +2.1 | -5.1 | -6.3 | +10.1 | -6.5 | +3.2 | +1.0 | +1.6 | +3.4 | +2.3 | -1.2 | +1.6 |
| ASPI average | +3.1 | -2.7 | -4.7 | +2.0 | +0.2 | +0.8 | +3.1 | +2.2 | +3.2 | -0.1 | +1.0 | +3.0 |
| Median | -1.9 | -6.9 | -6.0 | +8.8 | -6.3 | +1.7 | -3.3 | +0.9 | -1.1 | +4.4 | -3.3 | -1.8 |
| % up | 43% | 29% | 21% | 71% | 21% | 53% | 40% | 53% | 40% | 71% | 43% | 36% |
| Line | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Total income | Rs 3.1B +0.2% | Rs 3.1B -44.3% | Rs 5.6B +74.9% | Rs 3.2B -7.2% | Rs 3.4B +2.0% | Rs 3.4B +2.2% | Rs 3.3B +23.4% | Rs 2.7B +19.8% |
| Operating profit | Rs 9.5M -97.7% | Rs 412.0M -85.3% | Rs 2.8B +357.5% | Rs 612.0M -48.9% | Rs 1.2B +12.2% | Rs 1.1B +38.0% | Rs 774.5M +23.2% | Rs 628.8M +12.8% |
| Net profit | Rs -93.1M loss narrowed | Rs -191.0M fell into loss | Rs 1.4B +321.8% | Rs 326.3M -40.4% | Rs 547.3M -22.7% | Rs 708.1M +48.9% | Rs 475.7M -15.7% | Rs 564.4M +38.3% |
| EPS | -1.44 | -2.95 | 21.27 +322.0% | 5.04 -40.4% | 8.46 -22.7% | 10.94 +48.8% | 7.35 -15.7% | 8.72 +38.2% |
Compared with the same period a year earlier.
Parent company only. Subsidiaries are not included.
Per-share figures are as reported, not adjusted for splits.
| # | Company | Price | Mkt cap | P/E | P/B | EPS | ROE | Div Yield |
|---|---|---|---|---|---|---|---|---|
| 1 | PABC.N0000 | 49.50 | Rs 21.9B | 5.5 | 0.69 | 9.05 | 13.18% | 2.02% |
| 2 | ABL.N0000 | 26.00 | Rs 14.3B | 5.8 | 0.55 | 4.50 | 9.89% | 9.43% |
| 3 | UBC.N0000 | 11.60 | Rs 12.6B | 19.3 | 0.61 | 0.60 | 3.17% | 0.00% |
| 4 | CBNK.N0000 | 7.20 | Rs 8.9B | 15.0 | 0.61 | 0.48 | 4.47% | 0.00% |
| 5 | SDB.N0000 | 47.20 | Rs 7.7B | 19.1 | 0.52 | 2.47 | 2.74% | 0.00% |
| 6 | HDFC.N0000 · this company | 64.90 | Rs 4.2B | - | 0.55 | -1.44 | -1.23% | 0.00% |
| Peer median · 5 companies | - | - | 15.0 | 0.61 | - | - | 0.00% |
HDFC Bank of Sri Lanka is a specialised, state-backed retail bank focused on housing finance and related consumer lending for underserved low- and middle-income segments. The bank provides mortgage and housing-related credit, including EPF-backed housing loans, and offers doorstep and branch-based services to expand formal financial access across Sri Lanka. The ownership is split between state entities (51%, principally the NHDA and other government institutions) and public shareholders (49%). Beyond core housing finance, HDFC Bank offers a range of lending and financing products, including diversified leasing facilities, short-term lending such as gold loans, green finance products (including green personal loans for renewable energy projects), and the HDFC Super Draft product with simplified documentation and flexible repayment terms. Delivery channels include a network of 39 branches across all provinces, a team of over 45 palmtop/mobile banking professionals providing doorstep services, ATMs and digital platforms for 24/7 account access. The bank emphasises prudent risk and credit management, regulatory compliance and financial inclusion, supported by initiatives in loan restructuring and recovery, deposit mobilisation, IT and cybersecurity measures, and stakeholder engagement. It holds a national long-term rating of BB+ (lka) from Fitch and has received recognitions for compliance, transparency and support for social bond issuance.
Evidence points bearish because trailing earnings remain negative despite a reported first-half profit, leaving no usable P/E. The counterweight is a 0.54 times P/B below sector peers.
Read the full report (Sep 23, 2026) →1 article in 30 days: 1 positive, 0 negative, 0 neutral.
HDFC Bank reported a resilient 1H2026 with Profit Before Tax up 85% YoY and Profit After Tax of Rs.105 million. Net interest income was Rs.1,365m, total operating income Rs.1,499m, total assets Rs.63.2bn, capital ratio 32.05%, LCR 203%, NIM 4.30% and ROE 2.75%.
HDFC Bank of Sri Lanka will celebrate its 42nd anniversary on 21 August 2026 and is deploying the first phase of a real-time digital service delivery platform, launching a 'Green Champ' green children's savings scheme and offering free shopping debit cards to customers.
Housing Development Finance Corporation Bank of Sri Lanka (HDFC) PLC has appointed senior banker H.B. Keerthirathna as its new Chairman. Keerthirathna brings over 35 years' experience in banking, including senior roles at Sampath Bank PLC and various finance-sector consultancy positions.
HDFC Bank (HDFC.N0000) said it diversified in 2024–25 into leasing (Super Draft Leasing), gold purchase loans, personal loans and green financing aligned with the Central Bank's Green Taxonomy. The bank also introduced green deposit products and named Hemal C. Lokugeegana as CEO to drive sustainable growth from 2026.
Housing Development Finance Corporation Bank of Sri Lanka (HDFC.N0000) held its 41st Annual General Meeting on June 26, 2026, at the Sri Lanka Foundation Institute in Colombo; the board, CEO Hemal Lokugeegana and shareholders attended.
With policy held at 8.75% amid 8.0% inflation, and Treasury and secondary bond yields rising during the window, banks face continued pressure to reprice deposits and loans while government-securities portfolios remain sensitive to yield moves. The rupee weakened and foreign investors sold rupee bonds for a second week. From 1 November, TIN verification will be required for bank accounts and credit cards, adding onboarding compliance.
Auto-generated from 45 sector news articles over 14 days. Not investment advice.