#banking strategy

The 4-Bucket Money System: Advanced Multi-Account Strategy for Complete Control March 16, 2026 Don Briscoe is a personal finance coach with over 12 years of experience helping people take control of their money. As the founder of PersonalOne.org, he makes complex financial concepts accessible and actionable for everyday Americans. TL;DR – Quick Summary The 4-bucket system separates obligations,…

Direct Deposit Splitting: The Smart Way to Control Cash Flow | PersonalOne February 17, 2026 About the Author: Don Briscoe is a personal finance coach with over 12 years of experience helping people take control of their money. He’s the founder of PersonalOne.org, where he makes complex financial concepts accessible and actionable for everyday Americans. A Smart Way to Control Cash Flow TL;DR —…

The financial cost of maintaining the use of money in the UK involves several components. Here are some general estimates:

Production Costs: The Bank of England spends around £70 million annually on printing banknotes. It costs between 7 to 8 pence to print each note.

Distribution and Handling Costs: This includes costs for transporting cash, ATM maintenance, and handling by banks and businesses. These costs can run into hundreds of millions of pounds annually.

Security Costs: Significant investments are made in anti-counterfeiting measures and secure transportation, though exact figures are not always publicly disclosed.

Replacement Costs: Damaged or worn-out currency needs to be replaced regularly. For example, the Bank of England replaces around 700 million banknotes each year. It costs between 7 to 8 pence to reprint each note.

In a significant move for India’s largest private sector lender, HDFC Bank has announced a strategic shift in its growth approach. The bank plans to grow its advances at a slower pace compared to deposits. This decision comes as part of the bank’s efforts to bring its credit to deposit (CD) ratio back to pre-merger levels, following its merger with HDFC Ltd.

Understanding the Merger Impact

Before the merger with HDFC Ltd., which became effective on July 1, 2023, HDFC Bank maintained a CD ratio of around 85 percent. However, post-merger, this ratio surged to 105 percent as of March 31, 2024. This significant increase necessitates a strategic recalibration.

The Path Forward

HDFC Bank’s Managing Director and Chief Executive Officer, Sashidhar Jagdishan, addressed shareholders, outlining the bank’s focused approach. “Our goal is to reduce the CD ratio to pre-merger levels,” Jagdishan stated. “We aim to maintain adequate liquidity buffers and manage the repayment of eHDFC (erstwhile HDFC) borrowings as they mature. This includes evaluating prepayment opportunities and pursuing profitable lending sources.”

During this adjustment period, HDFC Bank will prioritize growing its advances at a pace slightly slower than the growth of its deposits. This cautious strategy ensures that the bank maintains stability while gradually adjusting its financial metrics.

Focus on Granular Deposit Mobilisation

A key element of the bank’s strategy involves leveraging its robust distribution network to mobilize granular deposits. This approach is designed to bolster the bank’s deposit base, providing a stable foundation for future growth.

Profitability Over Growth

Jagdishan emphasized that the bank will steer clear of growth opportunities that do not meet its risk-adjusted profitability thresholds. This disciplined approach underscores the bank’s commitment to sustainable and profitable growth, even as it navigates the complexities of the post-merger landscape.

Conclusion

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