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@diaryofwealth "9. Present Day - 2025 Snapshot 30+ lakh crore balance sheet 8000+ branches Largest private sector lender in India Consistent profit growth best-in-class ROE Facing competition from PSU reforms fintechs & Jio Financial"
@diaryofwealth on X 2025-07-19 17:15:20 UTC XX followers, XX engagements

"1. 1994 The Birth of HDFC Bank. When the RBI opened up private banking licenses Housing Development Finance Corporation (HDFC) -already a trusted NBFC - decided to float a bank. CEO: Aditya Puri (ex-Citi) Mission: Tech-led customer-first banking"
@diaryofwealth on X 2025-07-19 17:09:14 UTC XX followers, XXX engagements

"7. Leadership Transition 2020 Aditya Puri retired after XX years as MD & CEO. Successor: Sashidhar Jagdishan The market worried but Jagdishan kept the culture intact. Focus on: Digital push Retail expansion Risk management"
@diaryofwealth on X 2025-07-19 17:13:52 UTC XX followers, XX engagements

"6. Tech-First Approach 🚀 Early adopter of core banking tech Internet banking pioneer Mobile banking leader "Banking is what you do not where you go." - Aditya Puri"
@diaryofwealth on X 2025-07-19 17:13:03 UTC XX followers, XX engagements

"10. Key Lessons from HDFC Bank's Journey Trust compounding - returns follow discipline Leadership & culture matter Conservative banking chasing hot sectors Market rewards consistency A true Indian financial titan 🏦"
@diaryofwealth on X 2025-07-19 17:16:03 UTC XX followers, XXX engagements

"3. 2000s Retail Banking Boom 💳 HDFC Bank pivoted hard into: Retail loans (home auto personal) Credit cards Branch expansion Helped by: Indias IT boom Urban consumption rise Aditya Puris cautious but aggressive approach"
@diaryofwealth on X 2025-07-19 17:10:58 UTC XX followers, XXX engagements

"8. The Mega Merger 2023 HDFC Ltd + HDFC Bank = 💥 Indias largest corporate merger Created a universal banking giant Access to housing loan portfolio & retail deposit base Cross-selling bonanza Market cap post-merger: 13+ lakh crore"
@diaryofwealth on X 2025-07-19 17:14:31 UTC XX followers, XXX engagements

"Tired of random investing Try Goal-Based Investing. Its not about chasing returns but aligning your money with your life goals. 🏠 Dream home in X years 👴 Peaceful retirement at XX Set the goal Pick the time horizon Match the right asset Invest with purpose not just hope"
@diaryofwealth on X 2025-07-21 17:47:33 UTC XX followers, XX engagements

"5. Consistency is King 👑 What sets HDFC Bank apart NPA control GNPA rarely XXX% Steady 18-22% loan growth for X decades Pristine asset quality Strong CASA (low-cost deposits) A rare compounder in Indian banking"
@diaryofwealth on X 2025-07-19 17:12:22 UTC XX followers, XXX engagements

"11. Where does HDFC Bank go from here Deeper rural penetration Digital & fintech collaborations NBFC & insurance expansion post-merger Eye on global banking partnerships Its still a long-term story to watch"
@diaryofwealth on X 2025-07-19 17:16:47 UTC XX followers, XXX engagements

"The HDFC Bank Story From 1994 to 2025 🏦 A deep dive into how a private sector bank born in liberalized India became a XX lakh crore behemoth. A story of vision leadership & compounding. Read the thread.👇"
@diaryofwealth on X 2025-07-19 17:08:14 UTC XX followers, XXX engagements

"4. Smart Acquisitions - 2008 Centurion Bank of Punjab Merger (2008) Gained 400+ branches Entry into North India & SME lending This move supercharged HDFC Banks retail & SME presence"
@diaryofwealth on X 2025-07-19 17:11:43 UTC XX followers, XXX engagements