Strong Loan Growth
The improvements in the economic activity have given HDFC Bank the opportunity to accelerate loan growth. Growth has picked up across segments, with continued market share gains in deposits.
Healthy Asset Quality
HDFC Bank maintains a very healthy asset quality with no significant issues in early indicators. The bank's metrics such as NIMs, cost to earnings, and return on assets have been stable with a positive bias.
Successful Home Loan Strategy
The home loan segment has seen improvements in process and target market, with reduced turnaround times and increased cross-selling of products. The bank has achieved a 98-99% penetration of savings accounts with home loans.
Technology and Distribution Investment
The bank continues to invest in technology and distribution to create operating leverage in the long term. This includes investments in core platforms, middlewares, and new age experiments like GenAI.