HDFC Bank to focus on Loan Book

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, after addressing its elevated credit-deposit ratio by moderating loan growth, is now set to accelerate its loan book expansion as demand in the economy strengthens in FY25. → The bank anticipates some short-term fluctuations in net interest margins but expects these to stabilize in the medium term as the lending environment becomes more favorable. → Strength in assets under management was noted, with impressive sequential growth of 1.8% in Q1, reflecting the bank’s adaptability and proactive financial strategies to maintain momentum. → Leadership highlights confidence in growing the advances portfolio at a pace matching or exceeding FY26’s projected industry growth, supported by a robust balance sheet and continued investments in people, technology, and innovation. → Despite external uncertainties, especially around tariffs, HDFC Bank has observed steady up-fronting of exports from MSME clients, signaling ongoing resilience and opportunity in this segment while maintaining a cautious approach to corporate lending.