Well mangement is facing issues with Deposits not keeping pace. Thanks to all of you withdrawing money at placing at the right place . They are constrainted on capital (Loan to deposit ratio is 120 % while they use to be 85 %). Increasing more branches , they basically made up to increase number of branches. In all management is not appearing to have all the answers (confdence was clearly missing). Cost to income does not come with size so not sure how they will growth of 20s.
Disc: No investments in HDFC bank. On my radar.
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