HDFC BANK Q2 CONCALL : NIM RECOVERY EXPECTED FROM Q3, STRONG RETAIL & MSME GROWTH OUTLOOK

• NIM EXPECTED TO RECOVER FROM Q3 FY27; MANAGEMENT BELIEVES Q2 MARKS THE BOTTOM • 70% FLOATING-RATE LOAN BOOK EXPECTED TO BENEFIT FROM HIGHER REPO RATES • RETAIL & MSME LOAN GROWTH MOMENTUM EXPECTED TO CONTINUE • DEPOSIT GROWTH EXPECTED TO STRENGTHEN AS NEW BRANCHES MATURE • ASSET QUALITY EXPECTED TO REMAIN STABLE; NO SIGNIFICANT STRESS VISIBLE • LIQUIDITY COVERAGE RATIO TARGETED AROUND 110–120% • AI & AUTOMATION EXPECTED TO IMPROVE EMPLOYEE PRODUCTIVITY AND OPERATING EFFICIENCY • PROPOSED INSURANCE COMMISSION CUTS COULD NEGATIVELY IMPACT FEE INCOME • NEW CEO ANUP BAGCHI EXPECTED TO OUTLINE GROWTH & PROFITABILITY STRATEGY IN COMING WEEKS

HDFC BANK LTD

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