HDFC Bank Limited (HDB) Q3 2026 Earnings Call Transcript

Operator

Ladies and gentlemen, good day, and welcome to HDFC Bank Limited Q3 FY ’26 Earnings Conference Call. [Operator Instructions] 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
Chief Financial Officer

Okay. Thank you. Thank you, Nirav. Good evening, and a warm welcome to all the participants. At the outset, I know that it’s 6:15, 15 minutes behind schedule. We had another meeting we had to conclude and come. Apologies for that, but we’ll take as many questions as possible and extend where required. With that, without much ado, we’ll straight go into the opening remarks by our CEO and MD. And then we’ll — and we have our DMD Kaizad, any comments we’ll take, and we’ll go straight to Q&A after that. Sashi, over to you first, and then we’ll take it from there.

Sashidhar Jagdishan
MD, CEO & Director

Good evening, friends. Thank you very much for joining in on a Saturday evening. I know it’s rather late, but always appreciate your being here on a Saturday evening. I think we’ve just sort of declared the results, and you probably would have seen the financial numbers. We’re reasonably sanguine and happy about the outcome that has happened. It’s in line with our