HDFC Bank reported 12% YoY loan growth and 14.4% deposit growth for FY26, with net income up 11% and stable ROA at 1.9%.
Management highlighted significant tech investments including a unified AI platform with 5 use cases in production and 14 in development to drive future efficiency.
The bank maintained strong asset quality with gross NPAs at 1.15% and a provisioning buffer of 125 bps, while capital adequacy stood at 19.7%.
Leadership addressed recent events including former chairman's resignation and Dubai branch matter, noting regulatory support and ongoing legal review processes.