HDFC Bank Q4FY26 Earnings Call: 12% Credit Growth, 19.7% Capital, Strong Deposit Franchise
Published on: April 24, 2026, 7:01 p.m. | Source: scanx.trade
HDFC Bank reported 12% credit growth for FY26, up from 5.5% in FY25, with deposit growth at 14.4% outpacing credit expansion. The bank maintained a strong capital position at 19.7% and healthy asset quality with gross NPAs at 1.15%. Return on assets remained stable at 1.9%, supported by improved cost-to-income ratio declining to 39.5% on a core basis. The bank's customer base reached 100 million, with 6-8 million new customers added annually. Technology investments exceeded $1 billion, with digital adoption reaching 97% for payments and service transactions. The earnings call transcript for Q4FY26 was made available on April 24, 2026, following the call held on April 18, 2026.
