HDFC银行（HDB）2026财年第三季度及全年业绩电话会议纪要「NASDAQ」（英文版）（17页）.pdf

1、 Classification-InternalClassification-Internal “HDFC Bank Limited Q3 FY 26 Earnings Conference Call”January 17,2026 MANAGEMENT:MR.SASHIDHAR JAGDISHAN MANAGING DIRECTOR AND CHIEF EXECUTIVE OFFICER HDFC BANK LIMITED MR.KAIZAD BHARUCHA DEPUTY MANAGING DIRECTOR HDFC BANK LIMITED MR.SRINIVASAN VAIDYANAT

2、HAN CHIEF FINANCIAL OFFICER HDFC BANK LIMITED MR.BHAVIN LAKHPATWALA SENIOR EXECUTIVE VICE PRESIDENT,FINANCE HDFC BANK LIMITED HDFC Bank Limited January 17,2026 Page 2 of 17 Classification-InternalClassification-InternalModerator:Ladies and gentlemen,good day,and welcome to HDFC Bank Limited Q3 FY 26

3、 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

4、 touchtone phone.Please note that this conference is being recorded.I now hand the conference over to Mr.Srinivasan Vaidyanathan,Chief Financial Officer,HDFC Bank.Thank you,and over to Mr.Vaidyanathan.Srinivasan Vaidyanathan:Okay.Thank you,Nirav.Good evening,and a warm welcome to all the participant

5、s.At the outset,I know that its 6:15,15 minutes behind schedule.We had another meeting we had to conclude and come.Apologies for that,but well take as many questions as possible and extend where required.With that,without much ado,well straight go into the opening remarks by our CEO and MD.And we ha

6、ve our DMD Kaizad,any comments well take,and well go straight to Q&A after that.Sashi,over to you first,and then well take it from there.Sashidhar Jagdishan:Good evening,friends.Thank you very much for joining in on a Saturday evening.I know its rather late,but always appreciate your being here on a