Medium-term AUM growth of nominal GDP +6-7%
Management targets AUM growth at nominal GDP plus 6-7% over the medium term, with disbursement momentum as the leading indicator.
HDBFINANCIAL / guidance tracker
Keep management guidance in view.
HDB Financial Services · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
Credit cost to moderate around 2.3%
Credit cost is expected to remain in the range of 2.3% plus/minus for the medium term, down from 2.35% in Q4.
NIM to sustain above 8%
Management aims to maintain NIM above 8% on a sustainable basis, with current NIM at 8.23% and a non-negotiable 8%+ target.
Cost-to-assets ratio to remain around 3.7-3.8%
Operating expenses as a percentage of assets are expected to stay in the 3.7-3.8% range, with continued investment in AI and technology.