20 October 2018 HDFC Bank Loan book grew 6%/24% QoQ/YoY to INR7.5t. Deposits grew 3.4%/20.9% QoQ/YoY to INR8.3t. CD ratio, thus, inched up to 90.1% (+215bp) from 87.9% in 1QFY19. Incremental growth in the quarter was driven by retail loans (+5.5%/~24% QoQ/YoY), taking retail loan share to 67.9% (53.5% as per regulatory classification) of the book, compared to 68.3% in 1QFY19. Retail loan growth was driven by personal loans (+7.