Srinivasan Vaidyanathan

Chief Financial Officer, Hdfc Bank

Search every verified Srinivasan Vaidyanathan interview, podcast appearance, and on-the-record quote — each transcript cross-checked by AI and human review to confirm speaker identity. During HDFC Bank's Q4 FY26 earnings conference call on April 18, 2026, Chief Financial Officer Srinivasan Vaidyanathan stated that the loan-to-deposit ratio is "no longer a binding constraint," noting that the bank has gained 30 to 50 basis points of market share on deposits annually over the past five years. He also discussed the bank's data infrastructure, saying it has built a "customer level, enterprise level single source of truth" and went live with a "lakehouse architecture" that he described as essential to long-term scalability and AI aspirations. Vaidyanathan added that the bank has navigated changing economic and regulatory conditions in a stable manner over the last three years, which he said will provide "huge operating leverage" in the future. In response to an analyst question about net interest margins, Vaidyanathan said that a changing borrowings mix is a favorable item that can reduce costs, but he emphasized that the bank is focusing more on returns. He indicated that if the rate cycle remains rangebound, the bank will work toward keeping returns stable or increasing them through other levers.