HDFCBANK

Focus on post-merger integration

1. Strong loan growth continues HDFC Bank continues to report healthy growth in advances across: Retail loans Corporate lending SME loans Commercial banking Credit demand remains robust despite a high-interest-rate environment. 2. Focus on post-merger integration The bank continues optimizing operations following the merger with HDFC Ltd. Management is focused on improving efficiency, cross-selling opportunities, and balance-sheet optimization. 3. Deposit growth remains a key focus area HDFC Bank is aggressively working on increasing deposit mobilization to support future loan growth. CASA growth and retail deposits remain closely watched by investors. 4. Asset quality remains strong Gross and net NPA levels continue to remain among the best in the banking sector. Collection efficiency and credit quality remain healthy across major lending segments. 5. Margin pressure being monitored Investors are tracking Net Interest Margin (NIM) trends as funding costs remain elevated. Management expects gradual normalization as the merger benefits start reflecting more fully. 6. Digital banking expansion The bank continues investing heavily in: Digital banking AI-driven customer service Payments ecosystem Technology infrastructure Digital transactions continue to grow strongly. 7. Strong quarterly performance Recent results showed healthy growth in: Net profit Net interest income Loan book Fee income The bank remains one of the strongest profit generators in the Indian banking sector. 8. Stock performance The stock has seen periods of underperformance compared to some peers due to merger-related concerns and margin pressures. Long-term investors continue to view it as a high-quality banking franchise.