Every earnings call for HDFCBANK — management tone, guidance, KPIs and promise tracking, quarter by quarter.
HDFCBANK · 6 transcripts · Financial Services · latest Q3 FY26HDFC Bank is executing a clear and confident strategy to normalize its Loan-to-Deposit Ratio, backed by robust, broad-based credit growth and improving funding costs, positioning it to outperform system growth in FY27.
Read full transcript & analysisCredit growth buildup described as 'extremely encouraging' with a balanced approach.
Read full transcript & analysisNet Interest Margin (NIM) compressed by about 8 basis points in the quarter.
Read full transcript & analysisAverage deposits grew 16% year-on-year (last year).
Read full transcript & analysisCredit Deposit (CD) ratio reduced from ~110% at merger to ~96% as of March 2025.
Read full transcript & analysisAverage deposits grew by 15% year-on-year.
Read full transcript & analysis