HDFCB saw mixed results; core PAT was in-line, but NII/NIM and net slippages were a miss, offset by higher fees and lower opex. Pre-merger LDR was 85-87% (now 99.8%), which could be achieved in 2-3 years. Hence, loan growth is guided to be lower than system for FY25, in line with system for FY26 and …
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