MUMBAI: HDFC Bank’s FY20 March quarter performance was a reiteration of the bank’s strong past. In that, the net profit growth of 17.7% backed by a healthy net interest margin (NIM) and loan growth was not a surprise.

But for life after covid-19, investors should focus on what lies ahead and that road is treacherous for all banks. For HDFC Bank--India’s most valuable lender--it may be marginally less so.

FY21 performance would be markedly different from the previous year and these five factors would be key: Enemy at the gates Covid-19 has threatened incomes and employment of Indians and therefore borrowers would be in a tight spot when it comes to repayments.

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