HDFC Bank Q1 FY27 earnings call transcript filed

Mgmt Guided Margin ImprovementMgmt Evaded Key QuestionInvestor Communications View source PDF

HDFCBANK · price

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₹743.50

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₹746.10

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AI summary

HDFC Bank filed Q1 FY27 earnings call transcript. NIM at about 3.4% with 40-50 bps cost of funds room yet to play out. CASA at 34%, targeting pre-merger 38-40% over 2-3 years. Borrowing mix 11%, retail mix 52% versus 60% target. MSME business banking grew 22.3%, wholesale 18%, mortgage disbursements up 14%. INR 14,000 cr disbursed under ECLGS 5.0. ECL transition impact expected minimal. New Chairman Rajiv Kumar appointed, CEO reappointment under process.

Likely market impact

Margins seen bottoming on full-year basis; management confident on growth and asset quality. Key uncertainty is CEO reappointment timeline.