Q4 Results Updates: ICICI Bank Profit Rises, HDFC Bank Profit Down

HDFC Bank remains competitively priced in the savings deposits rate among peers, according to CFO Srinivasan Vaidyanathan.

"Inventory levels in middle and lower mortgage segment has come down," he further said. "Competition in pricing intensive in premium mortgage segment."

HDFC Bank kept margin in stable band when cost of funds was up, said the CFO.

We will continue to increase loan growth at the market rate in FY26, said Srinivasan Vaidyanathan, CFO, HDFC Bank.

"Loan growth to be at a similar rate that was there in the past 2-3 years," Vaidyanathan further noted. "Opportunity for retail loan growth is high due to low penetration in India," he said.

"HDFC Bank aims to achieve a credit-to-deposit ratio similar to the pre-merger level of around 85-90% by fiscal 2026-27," according to CFO Srinivasan Vaidyanathan.

"As liquidity, economic activity improves, we are well placed to grow loans, deposits," said Srinivasan Vaidyanathan, CFO, HDFC Bank. "Since the merger of HDFC-HDFC Bank, NIM range has been 3.6-3.7% on total asset basis," he said.

The HDFC Bank's CFO highlighted that adding more customer relationships, distribution strength aided to deposit growth. "We continue to gain leading market share in deposits," he said.

Credit deposit ratio at 96.5% compared to over 100% last year, said Srinivasan Vaidyanathan, CFO, HDFC Bank during a conference call on Saturday.

"Corporates taking a wait and watch mode amid geopolitical headwinds," he further noted.