Deposit cost pressure from competition
Intense competition for deposits, especially from mid-sized banks, could push cost of funds higher than guided 35-40 bps increase.
AUBANK / Q1-FY25 / 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
Microfinance asset quality stress
Collection efficiency in microfinance has dipped due to heatwave and elections, with over-leverage concerns in the sector.
Credit card delinquency trends
Industry-wide stress in unsecured lending could impact credit card portfolio, though management has tightened underwriting.
Universal bank license timeline uncertainty
The application process and approval timeline for universal bank license are uncertain, with no specific guidance provided.