Banking Lifecycle
HDFC BANK
MACRO ENVIRONMENT
Compelling opportunities
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One of the fastest growing economies in the world – real GDP growth ~7%; rising affluence
Credit growth mirroring GDP growth with a multiplier of ~2x
$
Significant under penetration of credit - potential to extend credit to 400mn 500 mn individuals¹
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i
Aspiration mirroring western/ global trends.
Increasing digital adoption - ~700 mn active internet users
B
Augurs well for hybrid acquisition and servicing model
Stable, inter-operable infrastructure - Aadhar, UPI, AA, Credit Bureaus etc.
Best levels of property affordability coupled with government support enhances mortgage potential
1. As per report by TransUnion CIBIL
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HDFC Bank Presentation, May 2023View entire presentation