Axis Bank Limited CC-Mar25.pdf · 2025-04-25
Good evening, sir. Thanks for the opportunity. So my first question is on credit to deposit ratio. It has improved to below 90% at 88.7% versus 90% to 90% seen since 1Q '24. And this is all because of the deposit growth improvement. Should we see late 80s as your new operating level for the bank going forward? And was this just because of the deposit growth? Or was this because of any regulator nudge? Thank you.
Right. Thanks for answering that. My second question is kind of answered, but while Y-O-Y loan growth at 8% remains below system, Q-O-Q momentum has actually improved to 2.6%, which is better than what we saw last few quarters. Is it just seasonal? Or should we see this momentum as a reinstatement of the bank's growth trajectory going forward?