HDFC_Bank
NIM’s are below 4% range due to merger. It is on the rise but may take a few years to get back to normal.
The CASA drop(38%) since 2022 continues and is yet to come back to normal
The cost of borrowing is at 4.9% on account of above along with merger of effects of HDFC.
The key concern is 1.6% growth in Gross advances QoQ and 4.34% Book Value Growth
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