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This podcast discusses the reasons behind HDFC Bank's declining share price, including drop in net interest margin, ongoing merger effects, communication issues with investors, and slower deposit growth. It also explores the challenges faced by HDFC Bank, such as funding stress and the need for deposit growth, as well as potential growth opportunities and attracting HDFC limited customers.
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Quick takeaways
- HDFC Bank's decline in net interest margin and share price can be attributed to the ongoing merger with HDFC and stagnant margins in the latest quarterly results.
- HDFC Bank's potential for future growth lies in expanding its branch network to tap into the significant market share held by PSU banks and HDFC Limited customers.
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HDFC Bank's Net Interest Margin has Declined
HDFC Bank, which has been at the top of the net interest margin (NIM) food chain for 20 years, has seen a decline in its NIM from 4% to below 3.5%. This drop in NIM has caused concern among investors, leading to a 10% decrease in the bank's share price. One of the reasons behind this decline could be the ongoing merger with its housing loan parent company, HDFC. The merger has resulted in weaker margins due to higher costs associated with borrowing. While the impact of the merger was expected, investors may have been disappointed with stagnant margins in the latest quarterly results.
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