'HDFC Bank conducted a conference call on 18 October 2025 to discuss the financial results for the quarter ended September 2025. Sashidhar Jagdishan, MD&CEO of the bank addressed the call:

Highlights:

The bank has seen growth pick up across segments and continue to see market share gains in deposits.

The bank is very focused on disciplined pricing.

Due to the front loading of the interest rate cuts and the pressure on the asset side of the balance sheet, the NIM compressed by 8 bps in Q2FY26.

The bank has witnessed a 50 bps decline yield on assets over a year ago, while cost of funds eased 18-19 bps causing pressure on margins.

The slightly longer duration on the liabilities is taking a little longer for reduction in the cost of liabilities side.

Over the next 6 to 12 months, the deposit repricing would be supportive to margins.

The bank is managing expenses in a very tight band and should see investments in distributio...

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