Questions across 3 calls

Prakhar Sharma

Jefferies India

HDFC Bank Limited

HDFC Bank Limited CC-Jan26.pdf · 2026-01-17

Thank you, everyone and congratulations on the results. Just wanted to delve on this deposit growth part. It was an interesting color that you said that the granular retail has grown, but slightly bulkier retail hasn't. Is there any sort of a data point that you can share in terms of the growth or the mix in the 2? And one alternative is, can we use the LCR deposit number and the growth there as a reference point to just get some comfort on what's the range of growth there because 4Q onwards, it gets aggressive on pricing. So if you can share some color, that will be right, thank you.

Sorry, the individual at the branch was at? Classification - Internal

HDFC Bank Limited CC-Dec24.pdf · 2025-01-22

Congratulations on managing good results in a tough environment. I had just a few questions on the agri part and request you to probably even if you want to give a monosyllable answer, that will work. So, first part is, in this quarter, what sort of interest income reversal could have been there? So, has there been a few basis points impact on margins because of the seasonality?

Got it. And you have in this quarter versus, I think, even the first quarter, there is a reasonable increase in the agri slippages. So, is this also a seasonal pattern that 3Q agri slippages tend be higher than the 1Q slippages? Or is there a deterioration in the environment? And is it linked to micro finance?

HDFC Bank Limited CC-Sep24.pdf · 2024-10-19

Good evening and c ongratulations on the results. I just wanted to ask on the credit cost part. Generally, 1Q tends to be a seasonally heavier quarter from the Agri side. So generally, slippages tend to come off in second quarter adjusted for the seasonality and same for credit costs. But if I look at the slippage ratio, it's kind of flat Q-o-Q which I wanted to ask for clarity. And similarly, if I look at th e provision number of about INR 2,700 crores and add back the reversal that would have been done of the AIF, it will probably go to INR3,300 crores. So, can you just explain if there is any other moving part in the credit cost line?

Understood. Thank you so much. Classification - Pubic