Elevated LDR and tight liquidity
LDR above 110% and LCR at 110% limit balance sheet flexibility; system liquidity turned negative for the first time in 3.5 years.
HDFCBANK / Q3-FY24 / risks
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HDFC Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
high
Slower deposit growth constraining loan growth
Deposit growth of 1.9% QoQ lagged loan growth of 4.9%, forcing reliance on borrowings and investment sales.
Branch expansion falling short of target
FY24 branch additions likely to be ~1,000 vs original target of 1,500, potentially limiting deposit mobilization.
Margin pressure from rising cost of funds
CASA ratio declined and term deposit rates remain elevated; management did not commit to a timeline for margin improvement.