Post-bank merger, focus shifts from product-based to customer-centric

60-70% of HDFC c 25 million o not have a liability relationship with the HDFC Bank Target is to bring down cost to income to 30% over the next decade (36% on merged basis in FY23). India d_highLightText__NxlGi">Original DISCLAIMER fiscal 2023 Prabhudas Lilladher Report xt__NxlGi">Rs 1 trillion 18-20% 25 million t__NxlGi">about 10% HDFC Bank highLig 60-70% __NxlGi">1.5 between 1.9-2.1% 30% __NxlG the next decade