HDFC Bank looks at refinancing to build corporate loan book

Term loans constitute about 30% of its corporate banking book, which grew by over 20%

At a time when many large banks are putting brakes to growing corporate lending, due to capital constraint and exposure limits, HDFC Bank is aiming to expand its wholesale loan book through refinancing. Term loans constitute about 30 per cent of its corporate banking book, which grew by over 20 per cent to Rs 125,000 crore in 2016-17.

Kaizad Bharucha, executive director, said they were working on increasing the market share in wholesale banking. The bank has a strong capital base, unlike many large entities in this segment. Total Capital Adequacy Ratio, by Basel-III rules, was 15.6 per cent at end-June,