HDFC Bank Limited CC-Dec23.pdf · 2024-01-16
Thank you. Can you hear me?
Hi, Srini. So can I go back to the LD ratio discussion? What I'm hearing from you is that it does need to come down, but also growth will remain intact. So I'm trying to square the circle, how - - like the only way LD ratios improves is if you grow deposits faster than lending? Is that what we should expect by FY '25? And the pace of that, if you can talk about -- do you have some target in mind? Or do you look at market conditions and do your best? How should we think about this?