'HDFC Bank conducted a conference call on 19 April 2025 to
discuss the financial results for the quarter ended March 2025. Sashidhar
Jagdishan, MD&CEO of the bank addressed the call:
Highlights:
The bank is on track in line with its guidance. It has
substantially reduced credit deposit (CD) ratio from 110% at the time of merger
to 96% at end March 2025.
The credit deposit ratio would continue on the downward
trajectory, while its lower adjustment would not be steep supporting the credit
growth in FY2026 as compared with FY2025.
The bank expects to reduce credit deposit ratio to 85-90%
by FY2027.
The bank has maintained tight control on cost and it would
continue to maintain costs under tight control.
As the liquidity and growth improves, the bank is well
positioned to grow its deposits and assets.
The net interest margin of the bank has been hovering in
the narrow band of 3.4-3.5% for ...
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