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HDFC Bank: Post-Merger Synergies, NIM Expansion & Deposit Acceleration
HDFC Bank is traversing the inflection point of its landmark merger. As loan-to-deposit ratio (LDR) normalizes from ~110% toward the 90% benchmark via robust branch-led deposit mobilization, Net Interest Margin (NIM) is poised to expand by 25-30 bps. The stock trades at historical valuation discounts relative to its 10-year average P/B.
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