Srinivasan Vaidyanathan
CFO, HDFC Bank
Notable Quotes
We do need deposits to be kicking in for the loans to be operating.
We are not caught up and we are not into one level of rate of growth as such... We are focused on returns.
The deposit rate of growth should outpace the loan rate of growth... at least 300 basis points-400 basis points higher.
We are not shy of not participating in certain loans. If the price is not to our liking, we don't need it.
We never lead by pricing to get any volumes, and it is simply based on relationships.
By the time the reversion begins, we are confident that we will lap the base effect comparison cycle.