Prolonged MFI stress
MFI credit cost of 5.4% annualized YTD and elevated SMA pool of 4.4% may persist for 2-3 quarters, impacting overall profitability.
AUBANK / Q3-FY25 / risks
Keep the risk register visible.
AU Small Finance Bank · Material risks, their source context, and severity in the latest available quarter.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Risk intelligence
Material risks this quarter
high
Credit card portfolio deterioration
Credit card book declined 9% QoQ with credit cost of 9.2% YTD; corrective actions may take 1-2 quarters to show results.
Liquidity and cost of funds pressure
Tight banking system liquidity and persistent inflation may keep cost of funds elevated, impacting NIMs.
Economic slowdown impact on secured assets
Analyst raised concern about sequential asset quality changes in secured book; management confident but GDP slowdown could affect informal segments.