Srinivasan Vaidyanathan on artificial intelligence
From HDFC Bank Q4 FY26 Earnings Conference Call | Concall.in · · Concall
“We have built a robust data foundation anchored by a customer level, enterprise level single source of truth from a customer perspective. We went live with our lakehouse architecture a centralized scalable data lake reusable enriched data mesh. This work is essential to a long-term scalability and AI aspiration but the big story is how we created in house the unified AI platform which is going to be the center that spans across the entire organization.”
On , Srinivasan Vaidyanathan, Chief Financial Officer at HDFC Bank, spoke about artificial intelligence during HDFC Bank Q4 FY26 Earnings Conference Call | Concall.in on Concall.
About Srinivasan Vaidyanathan
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.