HDFC Bank Limited (HDB) Q3 2026 Earnings Call

Investor webinar replay

Replay transcript excerpt

Ladies and gentlemen, good day and welcome to HDFC Bank Limited Q3 FI26 earnings conference call. As a reminder, all participant lines will be in the listen only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing star then zero on your touch tone phone. Please note that this conference is being recorded. And now at the conference, Over to Mr. Srinivasan Vaidyanathan, Chief Financial Officer, HDFC Bank. Thank you. And over to Mr. Vaidyanathan. Okay. Thank you. Thank you, Nirav. Good evening and a warm welcome to all the participants. At the outset, I know that it's 6.15, 15 minutes behind schedule. We had another meeting. We had to conclude and come. Apologies for that. But we'll take as many questions as possible and extend where required. With that, without much ado, we straight go into the opening remarks by our CEO and MD, and then we'll end. We have our DMD, Kaizad, any comments we'll take, and we'll go straight to Q&A after that. Sashi, over to you first, and then we'll take it from there. Good evening, friends. Thank you very much for joining in on a Saturday evening. I know it's rather late, but always appreciate your attention. being here on a Saturday evening. I think we've just sort of declared the results, and you probably would have seen the financial numbers. We're reasonably sanguine and happy about the outcome that has happened. It's in line with our expectations. Looking back, I think the credit growth buildup has been extremely encouraging. We set our sights on a very balanced credit across customer segments. The easing rate cycle and the benign credit has provided catalyst for the credit growth. The CRR release ...