Deposit growth key to HDFC Bank’s margin recovery; pre-merger LDR levels unlikely: Dnyanada Vaidya

Bank earnings are under scrutiny for balance sheet strength and growth sustainability. HDFC Bank faces challenges in lowering its loan-to-deposit ratio. ICICI Bank’s earnings were impacted by provisioning. Federal Bank shows stellar performance. Analysts prefer Kotak and HDFC among large banks, and Federal among mid-sized lenders.