| http://www.w3.org/ns/prov#value | - We do not chase higher yields and run into higher risks.HDFC Bank is choosy about issuing credit cards, offering them mostly to existing customers to avoid delinquency, and it has steered clear of lending for two-wheeler purchases in some regions - risk-averse strategies that ICICI now emulates.The lender expects non-performing loans to remain within its five-year average of 1.3-1.5 percent.''It
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