Questions across 2 calls

Mahruk Adajania

Nuvama

HDFC Bank Limited

HDFC Bank Limited CC-Dec23.pdf · 2024-01-16

Yes hi, good evening. Sir I have two questions basically, and the first one in general is on deposit growth. So, in general there's a lot of noise around RBI having a discussion with banks on LDR, plus deposit growth has been very, very tight in November and December irrespective of whether you've had a discussion with RBI or not. So how do you view deposit growth and LDR from Classification - Public here on? If you could give us some sense, target or guidance on how LDR will pan out, or what LDR are you looking at, in FY '25? And a related question to that is that if deposit taking remains t ight irrespective of the LDR debate, then what would you choose? Would you choose to offer higher rates compared to competition because you ask rate for deposits is on the higher side now? Or would you choose lower margins if the deposit situation remains like this for say two quarters?

Sir?

Union Bank of India

Union Bank of India CC-Sep23.pdf · 2023-10-28

Hello, madam. Congratulations to you and your team. So ma'am, my first question is on deposit growth. So, you had excess SLR which you have utilized and you still seem to have excess LCR. So, could we expect deposit growth to remain in this range even in the quarters ahead till you utilize additional excess LCR? That's my first question on deposit growth. And then I have a questio n. Last time you had explained, but if you could elaborate a bit. So, your other interest income has been higher than your normalized level and that's largely treasury related interest income. But if you could elaborate on what has actually happened? And then of course, your outlook on NIM because when you were seeing so many other Banks showing falling NIMs, your NIMs have actually improved marginally quarter on quarter. So, given festive offers, do you expect to be able to hold on to NIMs at these levels?

Sir, could you quantify the amount?