With deposits increasing 9% over the June quarter and A\Savings accounts increasing 6% year n year of the total 18% growth in Deposits, HDFC Bank did well to run in to Septemeber end with a NIM of 4.1%. Advances have grown by 25% from September 2010, for aBalance sheet size increase of 20% based on retail loans growth of 30%

The Bank has proved again that efficient management can still help i scale its mature management model as Net NPAs remained a low 0.2% of its Net Advances. and Capital Adequacy also remained at 16% and 11.5% for overall and Tier I based on the current Basel norms in India. India' sbreed of banks continue to grow on equity infusions than a hankering for Tier II capital and thus the bank sizes are inherently not comparable in size to those in China and the USA.  

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