Elevated NPAs in unsecured business loans
GS3 in unsecured business loans rose to 4.7% due to stress in the segment, though partly explained by government guarantee delaying write-offs.
ABCAPITAL / Q4-FY25 / risks
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Aditya Birla Capital · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Margin pressure from declining rate environment
With 50bps repo rate cut, asset yields may reprice faster than liability costs, potentially compressing NIMs in the near term.
HFC capital adequacy near regulatory threshold
HFC CRAR at 14.3% is close to the regulatory minimum of 15%, requiring continued capital infusion to support growth.