Pending — not yet graded
“Bearish on the credit card business model for Indian banks, as the 'revolver-led' model faces structural disruption. The fall in interest-earning assets (revolvers and EMI loans) as a percentage of spends is compressing margins, with the ratio of revolver balances to card spending falling to 2.8% in Q2 from 7% in 2019, impacting profitability for major lenders like HDFC Bank and SBI Cards.”
HDFC BankBearishCalled 02 Sep 2026
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