Earnings summaries and quarterly performance for HDFC BANK.
Executive leadership at HDFC BANK.
Board of directors at HDFC BANK.
Research analysts who have asked questions during HDFC BANK earnings calls.
Chintan Joshi
Autonomous Research
7 questions for HDB
Kunal Shah
Citigroup
7 questions for HDB
Mahrukh Adajania
Nuvama Institutional Equities
7 questions for HDB
Abhishek Murarka
HSBC
5 questions for HDB
Rikin Shah
IIFL Securities Ltd.
5 questions for HDB
Piran Engineer
CLSA
4 questions for HDB
Rahul Jain
Goldman Sachs
4 questions for HDB
Anand Swaminathan
Bank of America
3 questions for HDB
Ravi Purohit
Spark Capital Advisors
3 questions for HDB
Harsh Modi
JPMorgan Chase & Co.
2 questions for HDB
Manish Shukla
Axis Capital
2 questions for HDB
M. B. Mahesh
Kotak Securities
2 questions for HDB
Parameswaran Subramanian
Investec
2 questions for HDB
Pranav Dheeeraj Gundlapalle
Bernstein
2 questions for HDB
Sameer Bhise
JM Financial
2 questions for HDB
Suresh Ganapathy
Macquarie Capital
2 questions for HDB
Jayant Kharote
Axis Capital
1 question for HDB
Pranav Dheeraj Gundlapalle
Bernstein
1 question for HDB
Recent press releases and 8-K filings for HDB.
- HDFC Bank Ltd (HDB) experienced an 8 basis point compression in Net Interest Margin (NIM) in Q2 FY 2026 due to front-loading of interest rate cuts on the asset side, but anticipates tailwind effects on NIMs from deposit pricing over the next 6 to 12 months.
- The bank reported accelerated loan growth across segments and market share gains in deposits during Q2 FY 2026, with a strategic objective to grow faster than the market in FY 2027 and bring its Loan-to-Deposit Ratio (LDR) below 90%.
- HDB maintained healthy asset quality and increased contingent provisions by INR 1,600 crore and general provisions by INR 600 crore in Q2 FY 2026, with general provisions now at approximately 41 basis points of loans.
- The bank is investing in technology, including GenAI, and distribution to re-engineer processes, enhance customer experience, and drive operating leverage over the medium to long term.
- Home loan turnaround times have been significantly reduced to two days for individual loans and three days for self-employed loans, with strong cross-selling penetration for products like credit cards (over 14%) and savings accounts (98-99%).
- HDFC Bank reported a compression in Net Interest Margin (NIM) of eight basis points in Q2 FY 2026 due to front-loading of interest rate cuts on the asset side, but anticipates tailwinds from deposit repricing over the next six to twelve months.
- The bank is accelerating loan growth across segments, aiming to grow in line with the system in FY 2026 and faster in FY 2027, with average deposit growth of approximately 15% year on year.
- Asset quality remains very healthy, though recoveries in Non-Performing Loan (NPL) movement included a 10 basis point one-off upgrade in Q2 FY 2026.
- The Loan-to-Deposit Ratio (LDR) is targeted to fall below the 90 mark from 96 and change at the start of the year, reflecting a strategic objective to improve the deposit mix.
- The bank maintains high capital ratios and expects to consume capital as it returns to a faster growth trajectory, particularly with a retail-oriented mix.
Quarterly earnings call transcripts for HDFC BANK.
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