Deposit mobilization may lag growth
Despite cutting deposit rates, sequential deposit growth was flat; if deposit accretion does not pick up, asset growth may be constrained.
AUBANK / Q1-FY24 / risks
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AU Small Finance Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Credit card credit costs could rise
As the credit card book scales, credit costs may normalize to industry levels of 5-6%, impacting overall credit cost.
Margin pressure may persist
NIM contracted 38 bps QoQ and management guided for an additional 10 bps spillover; competitive pressures could further compress margins.
Seasonal asset quality weakness in H1
GNPA increased 10 bps QoQ to 1.76% due to seasonal factors; slippages may remain elevated in Q2 before recovering in H2.