| Category | Details |
|---|---|
| Event/Highlight | Loan-to-deposit ratio (LDR) reached a record high of 81% in the December quarter. |
| Key Issue | Credit growth is outpacing deposit mobilization, creating liquidity pressure. |
| Important Figures | HDFC Bank (LDR close to 100%), Bank of Baroda, Punjab National Bank, Union Bank of India, Axis Bank, Kotak Mahindra Bank. |
| Banking Trends | Overall banking LDR rose to 81%. Credit growth strong, deposit growth slower. |
| Concerns | High LDRs limit operational flexibility, may lead to higher deposit rates, compress net interest margins, and impact future credit expansion. |
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