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- Diversified revenue streams check financial performance volatility The bank’s revenue streams have been diversifying and the dependence on wholesale banking has been declining over the last few years.
- Declining bancassurance revenues HDFC Bank’s bancassurance revenues have declined steeply in the last few quarters.
- Relative lack of scale is hampering the bank’s competitive strengths against its domestic peers.
- Therefore, given the attractiveness of savings deposits, deregulation may lead to unhealthy competition amongst banks.
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