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HDFC Bank shifts focus to loan book
Business Standard
|July 21, 2025
CEO says margins may stabilise over time
After bringing down its elevated credit-deposit (CD) ratio by calibrating loan growth in FY25, HDFC Bank, India's largest private-sector lender, is now geared to grow its loan book and expects it to continue improving as overall demand picks up, said Sashidhar Jagdishan, managing director & chief executive officer of the bank.
While the bank's margins may fluctuate on a quarterly basis, they are expected to stabilise over time, Jagdishan emphasised.
"The rate of growth on assets under management (AUM) has improved to 8 per cent in the quarter just ended (Q1FY26). Our growth engines are well geared to grow. And as we move forward, we expect our loan growth to continue to improve from here and remain confident of growing our advances of the system growth rate in FY26 and higher than the system in FY27," Jagdishan said in an analyst call following the bank's Q1 earnings.
He added that apart from the balance sheet, other growth enablers remain customer centricity, technology, and the bank's people.
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