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HDFC Bank looks to chase deposits even after merger
Despite growing its deposits at double the pace of the industry, the bank will start with a credit-to-deposit ratio of more than 100% after its merger with HDFC, which is expected in the first quarter - which means that loans will be more than deposits. HDFC has a loan book of over Rs 6 lakh crore, a large part of which is funded by wholesale borrowings.
Despite growing its deposits at double the pace of the industry, the bank will start with a credit-to-deposit ratio of more than 100% after its merger with HDFC, which is expected in the first quarter - which means that loans will be more than deposits. HDFC has a loan book of over Rs 6 lakh crore, a large part of which is funded by wholesale borrowings. 
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