Questions across 3 calls

Ravi Purohit

SIMPL

HDFC Bank Limited

HDFC Bank Limited CC-Oct25.pdf · 2025-10-18

Thanks for the opportunity and h appy Diwali to the entire team of HDFC Bank. So, I have two questions. Most of the other questions have been answered. One is about two quarters back, we had mentioned that from the erstwhile HDFC book, we had about 15 to 20 bps of stressed assets which are actually performing, but we were still classifying them as NPAs , so, can you just update us on the status of those? Have a lot of those got ten upgraded or some of it, if in this quarter, one of the assets that you were saying that got upgraded was probably part of that eHDFC book , and is there more left there? If you could just share some thoughts there? And second is, in our advances book, we have seen healthy growth on the SME side, the medium and mid-corporate side. So, if you could just share some thoughts on what we are seeing on the ground on the SME side from loan opportunities? Those are my two questions. Thanks a lot.

And sir, in the RBI policy recently, they had mentioned about Indian banks being allowed to participate in cross-border or fund cross-border M&As and also there were a lot of relaxations that have come in. So , if you could just share some thoughts as to how does it kind of open up opportunities for larger banks to participate in larger cross -border transactions, which hitherto were not available and most of that money was being raised in the overseas markets?

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

I have 2 questions. One is the NPAs that we got in from the HDFC wholesale book would have been classified as NPAs, they were restructured accounts earlier, and they would have been classified. Now that they would have spent 12 months since then. Will we see a significant reversal of provisions of those that wholesale book in the current provisioning set? And second question is on the wholesale deposits that came in with HDFC Limited book. So, we reported 16% growth in our total deposits. But ex of, let's say, would we have let go of the wholesale deposits from HDFC Limited or we would have continued. If you could just give some colour ex of that or adjusted for that, what would have been actually deposit growth that we have actually delivered. Those are my 2 questions.

HDFC Bank Limited CC-Jun24.pdf · 2024-07-20

Sir, two questions. One is basically the debt reduction that we've seen in the last 2 quarters, there has been a significant drop in the borrowings, INR75,000 crores in the March quarter and about INR60,000-odd crores in the June quarter. So this basically is helping us kind of deleverage the book. But can you just help us understand what is the -- I think in the annual report, you've mentioned that about 15% of the HDFC borrowing book is due to kind of mature every year for the next 3 years. So if you could just Classification - Public kind of -- because last 2 quarters, we've seen this big drop in borrowings. So if you could just kind of help us understand the path where these borrowings are getting repaid? And second question was on the deposit side. There was a fair bit of amount which HDFC Limited used to have, and a lot of corporates used to have deposits with them. So is it fair to say that a lot of those deposits kind of vanished the minute the merger happened? And therefore, what we are seeing in terms of deposit accretion within the system is actually -- there is a large part which got taken out which were slightly larger size of corporate deposit share. So if you could just kind of give us some sense of where this thing has moved between then and now?

So can we sustain this run rate? Or would a bulk of that have already been kind of done for the year?